How to Cash a Check at Walmart

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All Walmart stores throughout the United States offer cash cashing services. For a fee, you can instantly cash a variety of checks without any holds or waiting periods. Walmart doesn't cash personal, third-party or handwritten checks. You can cash a qualifying check by bringing the check and your identification to the service desk or any checkout lane of a Walmart store.

Types of Checks

Walmart cashes both local and out-of-state preprinted checks up to $5,000. The stores will cash payroll, state and government checks, including Social Security and VA benefits. During tax season, they'll cash IRS refund checks up to $7,500. Other types of checks include student loan, insurance settlement, rebate and cashier's checks. You can also cash retirement distribution, 401(k), IRA and pension checks, according to Walmart.com.

Tip

  • Although you can pay for your purchases by writing a check, you can't write a check for over the amount of a purchase to get cash back.

Fees and Payout Methods

Walmart fees are based on the check amount. As of publication, the fee is $3.00 for checks up to $1,000 and $6.00 for checks $1,001 to $5,000. During tax season, the $6.00 fee also applies for refund checks between $5,001 and $7,500. You can receive cash or opt to have the money placed on a reloadable Walmart MoneyCard. If you choose the MoneyCard, the $3.00 fee for the card reload is waived, but you'll still be charged the standard check cashing fee.

Identification

You need to provide government-issued photo identification each time you cash a check at Walmart. Acceptable forms of ID include a driver's license, state ID card, military ID, tribal ID and U.S. passport. If you're a first-time check cashing customer, the store will run your Social Security number and driver's license number through a credit reporting agency to verify your identity.

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