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Does Walmart Cash Personal Checks?

Does Walmart Cash Personal Checks?

Walmart is a renowned retailer in the world with thousands of superstores. It offers groceries and daily life essentials at a discounted price. Apart from hundreds of millions of products, Walmart has also stepped foot in financial services. Cash backs, credit cards, and money orders form a significant part of Walmart's financial services. However, there is certain ambiguity regarding checks: Does Walmart cash personal checks?

Yes, Walmart cashes personal checks across all its stores except one state. The Walmart outlets in New Jersey state do not cash personal checks owing to state rules. The monetary law and regulations vary from state to state. Furthermore, there are certain limits in regards to Walmart check cashing services. The maximum limit to cash a personal check at Walmart is $200. Moreover, you have to pay an additional service fee ranging from a few cents to $6 per check.

Does Walmart Cash Personal Checks?

Walmart is the largest retailer chain in terms of sales volumes in the United States of America. The mega retail chain also offers a wide range of financial services. Customers often have difficulty understanding the scope of these services provided by Walmart. So, will Walmart cash a personal check?

The good news is that Walmart stores will surely cash your personal check along with a meager fee for the service. However, you cannot cash your personal check if you are in a Walmart location in New Jersey state.

Apart from this, all other Walmart locations offer personal check cashing services. However, Walmart's maximum limit to cash a personal check is $200 per check. Moreover, the fee structure for the Walmart check cashing process varies as per the Walmart store location. Therefore, it is better to call your local Walmart store to inquire about the fee for cashing a check.

Does Walmart Cash Checks?

Can you cash a personal check at Walmart? Yes, you can. Cashing a check can be a hefty task if you visit a financial institution and wait in long queues. Therefore, many retailers have started offering financial services to make things convenient. Walmart is among the leading retailers that proudly offer financial services to their customers.

You can surely cash a personal check at Walmart unless you are not from New Jersey. Except in NJ, Walmart cashes checks at all the other locations. Moreover, there is a certain limit to avail this service. You can cash a maximum of $200 per personal check. Furthermore, you must pay a fee ranging from a few cents to $6.

Walmart does not just cash personal checks. It cashes various checks to make it more convenient for its customers. It is also pertinent to mention that Walmart only cashes pre-printed checks. They will not cash handwritten checks. Following is the list of checks that Walmart stores can cash:

  • Government Checks
  • Payroll Checks
  • Two-Party Personal Checks
  • Cashier Checks
  • Pre-Printed Checks
  • Business Checks
  • Insurance Settlement Checks
  • Retirement Distribution Checks

However, rules and regulations are different for non-personal checks. For instance, non-personal checks have a maximum limit of $5,000 and a maximum processing fee of $8.

How Much Does Walmart Charge to Cash a Check?

Every retailer charges a specific fee to cash a check. It is a service fee, and it varies per institute. Similarly, you will have to pay a fee for the Walmart check cashing facility. However, the fee varies for different checks.

  • A personal check can have a fee ranging from a few cents to $6. The fee for a personal check will not exceed more than $6. The fee varies as per the location. Therefore, you can call your local Walmart store to inquire about the fee structure to cash a check.
  • In the same vein, non-personal checks have a different fee criterion. If the check is within the $1,000 limit, you will have to pay a fee of up to $4. Moreover, you will pay $8 as a fee if the check amount is in the range of $1,000 to $5,000.

The following table summarizes the fee structure to cash a check:

Type Of CheckFee
PersonalUp to $6
Non-Personal < $1,000$4
Non-Personal >$1,000Up to $8

How To Cash a Check at Walmart?

Cashing a check at Walmart is a procedure of a few simple steps. It will take less than 5 minutes to complete the whole process. Following is the step-by-step guide to help you understand the process to cash a check at any Walmart outlet.

  • Head over to the “Money Center” in any Walmart store.
  • Let the cashier know that you want to cash a check.
  • Make sure that the amount is within the maximum limits. It is $200 for personal checks and $5,000 for non-personal checks.
  • Show the cashier your government-issued photo ID since it is a pre-requisite.
  • Hand over the check and the processing fee.
  • That is all, and you will get your cash after that.

So, these steps are enough to cash a check at Walmart without hassle. It is a lot easier than going to a bank and waiting for hours.

The Bottom Line

Walmart is undoubtedly the leader when it comes to various services and products. Among those lists, financial services are becoming a crucial part. Walmart has made things pretty simple for customers with these one-stop services at all of their locations. So, does Walmart cash personal checks? Yes.

Walmart cashes personal checks at all of their locations except New Jersey. The store locations in NJ do not offer a personal check cashing facility due to state laws and regulations. Moreover, there is a service fee to cash a personal check. It varies from a few cents to a maximum fee of $6. The Walmart cashing service fee changes according to the location. Hence, it is better to call your local store to check the fee structure. You must carry a government-issued ID to avail of the service.

Secondly, Walmart does not cash handwritten checks. They only cash pre-printed checks. Furthermore, there is also a limit to cash a personal check. You can cash a maximum of $200 for a personal check. Last but not least, Walmart also offers cashing services for non-personal checks. However, their fee is $4 for checks under $1,000 and $8 for checks amounting from $1,000 to $5,000.