Walmart Check Cashing Limits and Fees | ✅ Don’t Get Caught Out

Walmart check cashing limits and fees

Walmart has a fantastic check cashing service that hundreds of people make use of each day. It’s often much easier to get to your local Walmart than it is to actually make the trip to your bank. They also have better opening hours for those hoping to cash a check outside of normal working times. However, like all financial services, there are limits to what Walmart can do. Some fees apply to cashing checks that you should be aware of before making the journey to cash yours. The following are the Walmart check cashing limits and fees you should know about.

Walmart’s check-cashing limit is $5,000, apart from between January and April each year, when the limit is raised to $7,500. Checks up to $1,000 are charged a cashing fee of $4, and checks between $1,001 and $5,000 are charged an $8 fee. Two-Party Personal Checks are charged a maximum fee of $6 and are limited to $200 in total.

Walmart Pre-Printed Check Cashing Fees

Walmart makes it quite affordable to cash checks at your local store. Their fees and limitations are also very reasonable. As we’ve outlined above, you can cash a check of up to $5,000, apart between January and April each year. At this time, the company raises its limit to $7,500. This is to help make things easier for customers as they file their taxes.

On a check for up to $1,000, you will pay a $4 fee. On a check between $1,001 and $5,000, you’ll be looking at an $8 fee to cash it. Both fees will be taken out of the total amount you are cashing unless you opt to pay the fee separately.

Walmart Two-Party Personal Check Cashing Fee


When it comes to Two-Party Personal Checks, Walmart does things slightly differently. Firstly, their limit on these is $200, no more. Secondly, their fees on this type of check can be up to $6, but no more. The fee will vary depending on the bank the check is with and the amount that it is for. Both of these impact what Walmart will need to pay to cash the check, so that cost is passed onto customers.

How to Cash a Check at Walmart


Cashing a check at Walmart is incredibly easy. All you need to do is head to the Money Center or Service Desk in your local store. When you’re there, you’re able to cash any of the following.

  • Government Checks
  • Payroll Checks
  • Cashier’s Checks
  • Tax Checks
  • Insurance Settlement Checks
  • All Pre-Printed Checks
  • 401(k) Retirement Distribution Checks
  • Two-Party Personal Checks
  • MoneyGram Money Orders

How Funds are Paid by Walmart


Now you know which checks can be cashed, you probably want to know how Walmart will pay out the cash. There are two ways in which Walmart will pay out your cashed check.

The first is by simply giving you the cash. This will see the cashier give you the check amount in cash right there and then. This option might not be the one you’d like to go with if you’ve got a large amount of money to cash. That’s why Walmart offers a second option.

The second way in which Walmart can cash your check is with a Walmart MoneyCard. This is a card that you can put money onto and then spend at Walmart. The card itself costs $1, and you’ll be able to buy this in the same transaction as cashing your check. Unlike standard Walmart MoneyCard loading, the $3 fee for putting cash on the card is waived. If you choose to cash a check and have the money added to a MoneyCard, then you’ll pay the standard fee as outlined above, plus $1 for a MoneyCard. If you already have a MoneyCard, there’s no need to purchase a new one unless you want to.


That covers everything there is to know about Walmart check cashing limits and fees. As you can see, not only is the store convenient, they’re reasonable when it comes to these fees as well. They’re also much faster than many of the deposit times offered by, for example, Chime, which you can check out here.

If there’s something that you think we missed about Walmart’s check-cashing procedures, please let us know what it is in the comments.

Leave a Comment