Retail

Does Walmart Cash Personal Checks?

Updated on October 27, 2021 by
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cashing checks at walmart

Walmart offers several helpful financial services in addition to their countless goods. The one that most people wonder about is check cashing.

Does Walmart cash personal checks? If not, what kinds of checks do they cash?

Does Walmart Cash Personal Checks?

No, Walmart does not cash personal checks—at least not ordinary handwritten ones.

Let’s say your grandmother slips a check in your birthday card, or one of your friends writes you a check to reimburse you for a favor. In this situation, you would have to go to a bank, credit union, or another check cashing service to get it cashed.

Assuming you don’t have a bank of your own, the easiest and most secure way to cash a handwritten personal check is to take it to one of the issuing bank’s locations—that is, the bank whose name is printed on the check.

Why Doesn’t Walmart Take Handwritten Checks?

The main reason behind Walmart's decision not to accept handwritten checks is that they’re easy to forge. Handling forged checks could open the company up to liability, messy lawsuits, and other legal complications that executives tend to avoid.

The one exception to this rule is two-party personal checks, which are a type of personal check addressed to two separate payees. Two-party personal checks are commonly issued as part of business dealings and tax refunds for married couples with joint bank accounts.

What Kind of Checks Will Walmart Cash?

While Walmart’s financial service policies don’t permit them to cash handwritten personal checks, they’ll happily pay out just about any other type of check you’re likely to have received, including:

  • Payroll checks
  • Cashier’s checks
  • Government checks
  • Tax refund checks
  • 401(k)/retirement disbursement checks
  • Insurance settlement checks
  • MoneyGram money orders
  • Two-party personal checks

You can get any of these sorts of checks cashed at any Walmart Supercenter at any time, so long as the payment amount totals no more than $5,000.

That said, Walmart’s website states that in-store check cashing limits can vary from place to place depending on state law. It’s also worth mentioning that the company increases their normal check-cashing limit to $7,500 from January to April.

How to Cash a Check at Walmart

If you have a check that falls under one of the headings mentioned above, getting it cashed at your neighborhood Walmart is a piece of cake.

Just present your check and a valid photo ID to an attendant at the store’s Money Service Center or Customer Service desk and be prepared to pay the attendant fees.

These fees can vary somewhat depending on the type of check you’re cashing and the amount that it’s worth. However, Walmart can legally charge as much as $4 to process checks up to and including $1,000.

Likewise, the company is entitled to charge as much as $8 for checks over $1,000 and up to and including $5,000, which is the largest amount they’ll cash as part of a single transaction.

After you’ve done these three things, you’ll walk away with cash in hand.

Conclusion

Does Walmart cash checks? Yes, they'll cash any kind of check except handwritten personal checks, since they're easy to forge. As long as it's not a personal check, you can walk into any Wally World supercenter and cash checks worth up to $5000.

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