Does Walmart Cash Personal Checks? Yes, But With MANY Rules

Updated January 15, 2024 by Kyle James

Maybe you don’t have a bank account. Or maybe you happen to be shopping in Walmart and have your most recent paycheck in your pocket. In either case, Walmart makes for a great option when it comes to cashing a check. Their fees are reasonable and their check limits are high. Here’s everything you need to know about cashing checks at Walmart in 2022.

Does Walmart Cash Personal Checks? Here's Exactly How It Works

Does Walmart Cash Personal Checks?

Walmart Money Center


Just head straight to the Walmart Money Services desk, or customer service desk, and quickly get your personal check cashed.

You do not need to register or have an appointment to cash checks at Walmart.

You also do NOT need a Walmart credit card to make it happen.

Does Walmart Also Cash Two-Party Checks?


Walmart will indeed cash your two-party check, up to $200 per check, and charge you $6 each.

BUT…the person you make the check out to must ALSO be present (with a valid I.D.) for it to happen.

Walmart does this to protect themselves from fraudulent checks which unfortunately has been on the rise recently.

Most retailers and grocery stores charge up to $10 to cash a 2-party check, making Walmart a great option.

See Also: The 11 Best Places to Cash a Check…Some Are FREE

What Other Types of Checks Do They Cash?

Aside from personal and two-party check, Walmart will also cash the following types of checks…

 – Pre-Printed checks

– Payroll checks

– Government checks

– Tax checks

– Cashiers’ checks

– Insurance settlement checks

– 401(k), retirement disbursement checks

– MoneyGram money orders

Can I Cash a Personal Check to Myself From My Bank?


Walmart will NOT cash a personal check if it’s made out to “Cash” or “Walmart”, it doesn’t matter the amount.

Your personal check must be made out to an ACTUAL person and that person MUST be present with you and have a valid I.D. with them that is NOT expired.

Thanks to Hayden in the comments for the great question.

What I.D. is Required to Cash a Check?

Walmart accepts the following forms of I.D. when cashing a check.

– Driver’s license.

– Military I.D. and Tribal I.D.

– State Issued I.D.

– U.S. Passport.

See Also: Walmart Won’t Take Apple Pay, But Here’s a Clever Workaround

What Fees Will I Incur?

There are some small fees at Walmart that you need to be aware of.

– Checks Up To $1,000 – For checks $1,000 or under, the maximum fee that you’ll pay at Walmart is only $4.

– Checks Over $1,000 – The maximum fee for cashing checks over $1,000 is $8.

– Two-Party Checks – For two-party checks up to $200, the maximum fee you’ll pay is $6.

Is There a Maximum Dollar Amount That Can Be Cashed?


Walmart limits check cashing to $5,000 per check, but they extend it to $7,500 from January to April.

What About Business Checks at Walmart?

Yes, Walmart will also cash checks written to you from a business.

The same fees and maximums apply.

Can I Get My Cash Put on a Walmart Money Card?


When cashing a check at Walmart, you’ll be given the option of transferring the amount of the check onto a Walmart Money Card for future spending.

While clearly a way for Walmart to get you to spend your money within their doors, it could be a smart way to help you control your spending.

Can I Cash a Stimulus Check or IRS Check at Walmart?


Walmart will happily cash your stimulus check, or tax refund check, as long as it doesn’t go over their check limits.

Ask the Reader: Do you ever cash checks at your local Walmart? Is it as easy as it sounds, or am I missing something?

By Kyle James


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Kyle, I just called my local Walmart service desk & was told they don’t cash certified checks or personal checks. Was I misinformed?


It must not be all locations because I called several & all that I called said the same thing.

Hayden Martin

Can i cash a personal check to my self from my bank


I was told they won’t deposit my check to my card over 2000