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.
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.
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.