Where Can I Cash a Check?

Walmart · checked Nov 8, 2026

Walmart check cashing: fees, limits and hours

In brief

Walmart charges at most $4 to cash a pre-printed check (payroll, government, tax refund, cashier’s, insurance or 401(k)) up to $1,000, and at most $8 above that. Personal checks are limited to two-party checks up to $200, at most $6. The limit is $5,000 per check in most states, $7,500 from January to April.

Walmart against everyone else

No. 0001
November 8, 2026

Results update as you type. Fees come from each company’s own published fee schedule.

Cashing a paycheck for $850.00

Published fees only, cheapest first

Money today

  1. Walmart Lowest publishedStore
    up to $4.00you keep at least $846.00
    Pre-printed checks
  2. Bank of AmericaBank
    $8.00you keep $842.00
    Checks drawn on Bank of America personal accounts, over $50
  3. AmscotCheck-cashing store
    $15.25you keep $834.75
    Computer-generated local payroll checks · up to $38.25 (All other payroll and handwritten checks (3.5% to 4.5%; the top of the range shown)) · Florida only
  4. Ingo MoneyApp
    $17.00you keep $833.00
    Payroll and government checks with a pre-printed signature
  5. VenmoApp
    $17.00you keep $833.00
    Payroll or government checks with a pre-printed signature, money in minutes
  6. Pay-O-MaticCheck-cashing store
    $18.70you keep $831.30
    New York only

Free or cheaper if you can wait

  1. Cash AppApp
    Freeyou keep $850.00
  2. Ingo MoneyApp
    Freeyou keep $850.00
    Money in 10 days, if the check is approved and not returned unpaid
  3. Walmart MoneyCardApp
    Freeyou keep $850.00
    Money within 10 days
Choose your state to see the legal maximum a check-cashing store may charge (where we have verified it), and to hide places that don’t operate there.
01

Walmart's check-cashing fees

CheckAmountMaximum fee
Pre-printed: payroll, government, tax refund, cashier’s, insurance settlement, 401(k)up to $1,000$4
Pre-printed, as aboveover $1,000$8
Two-party personal check (some locations, not New Jersey)up to $200$6

Walmart’s words: “Check-cashing fees have a $4 maximum for pre-printed checks up to $1,000” and “For pre-printed checks above $1,000, the maximum fee is $8.” These are maximums, “subject to applicable law”. For comparison, Ingo Money charges $17 to cash an $850 paycheck in minutes. Source: Walmart’s check-cashing page.

02

Which checks Walmart cashes

Walmart lists: paycheck (payroll), government or benefits check, tax refund check, personal check, cashier's or certified check, money order, insurance check.

  • Personal checks: only two-party personal checks (made out to you), in some locations, up to $200.
  • Money orders: Western Union and MoneyGram money orders, in some locations. A USPS money order can be cashed free at any Post Office; see where to cash a money order.
  • Business checks that aren’t payroll aren’t on Walmart’s list. Ask at the desk.
03

Limits, ID and hours

  • Limit: In most states the check-cashing limit is $5,000, though we increase this limit to $7,500 between January & April of each year.
  • ID: Bring your check & valid ID to a Walmart store. No registration or Walmart card is needed.
  • Hours: Supercenters are open from 6am-11pm.
  • Speed: You'll get your money immediately & save time doing it.
04

States where Walmart lists check cashing

Walmart’s page lists 41 jurisdictions: Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, Nevada, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Utah, Virginia, Vermont, Washington, West Virginia, Wyoming.

Not on the list: Florida, Indiana, Mississippi, New Jersey, New Mexico, New York, Ohio, Rhode Island, Tennessee, Wisconsin. If you live there, ask your store, or compare other stores and check-cashing fees.

05

Walmart MoneyCard: deposit a check by phone

If you have a Walmart MoneyCard, you can photograph a check in its app. Walmart MoneyCard says you can get the money “in minutes for a small fee or get it for free within 10 days”. The service is run by Ingo Money; the MoneyCard page doesn’t state the fee. Ingo’s own fee for money in minutes is 2% for payroll and government checks and 5% for other checks, with a $6 minimum. More in cash a check online.

06

The entry, with sources

WalmartFees published

Store · Walmart check cashing (Money Service Center / Customer Service desk)

  • Payroll
  • Government
  • Tax refund
  • Cashier's
  • Insurance
  • Retirement
  • Money order
  • Personal
  • Payroll, Government, Tax refund, Cashier's, Insurance, Retirement $0–$1,000Pre-printed checksup to $4 (max $4)
  • Payroll, Government, Tax refund, Cashier's, Insurance, Retirement $1,000.01+Pre-printed checksup to $8 (max $8)
  • Personal $0–$200Two-party personal checks, in some locationsup to $6 (max $6)
Fees
Walmart publishes maximum fees only ("Max fee of $4 ... Subject to applicable law"), so the fee charged in a given state can be lower. No separate fee is stated for cashing money orders.
Who
Anyone with a check and valid ID; no registration or Walmart card needed
Where
At the Money Service Center or Customer Service desk in Walmart stores, in the 40 states plus DC that Walmart lists
Limit
In most states the check-cashing limit is $5,000, though we increase this limit to $7,500 between January & April of each year.
ID
Bring your check & valid ID to a Walmart store.
Hours
Supercenters are open from 6am-11pm.
Speed
You'll get your money immediately & save time doing it.
  • Endorse the check and hand it to the cashier at the Money Service Center or Customer Service desk with valid identification.
  • No registration, Walmart store credit card or Walmart MasterCard is needed.
  • The per-check limit rises from $5,000 to $7,500 between January and April each year.
  • Two-party personal check cashing is not available in New Jersey and is limited to $200.
  • Walmart lists the jurisdictions where check cashing is available; FL, IN, MS, NJ, NM, NY, OH, RI, TN and WI are not on that list.
Source: walmart.com · checked November 8, 2026

Walmart MoneyCardFees published

App · Walmart MoneyCard app check deposit (Green Dot Bank)

  • Other checks (slower)Money within 10 daysFree
Fees
The page does not state the money-in-minutes fee; it says the service is provided by Ingo Money and that 'Fees apply for approved Money in Minutes transactions'.
Who
Walmart MoneyCard holders with an activated, chip-enabled debit card
Where
In the Walmart MoneyCard app, or at a Walmart MoneyCenter / Customer Service desk
Limit
Limits apply.
Speed
Approval usually takes 3 to 5 minutes but can take up to one hour.
Run by
Ingo Money
  • The check cashing service is provided by Ingo Money, Inc. and the sponsor bank.
Source: walmartmoneycard.com · checked November 8, 2026
07

Questions

How much does Walmart charge to cash a check?

Walmart publishes maximums: up to $4 for a pre-printed check up to $1,000, and up to $8 for a pre-printed check above $1,000. Two-party personal checks have a maximum fee of $6. Walmart says fees are subject to applicable law, so the fee in your state can be lower.

Does Walmart cash personal checks?

Only two-party personal checks (a personal check made out to you), in some locations, up to $200, with a maximum fee of $6. Walmart says two-party personal check cashing is not available in New Jersey.

What is the Walmart check cashing limit?

In most states the limit is $5,000 per check. Walmart raises it to $7,500 between January and April each year (tax refund season).

What time does Walmart stop cashing checks?

Walmart doesn’t publish separate hours for its Money Service Center or Customer Service desk. Its check-cashing page says Supercenters are open from 6am to 11pm; store hours vary, so check your store before you go.

Can I cash a check at Walmart on Sunday?

Walmart’s check-cashing page gives Supercenter hours of 6am to 11pm and doesn’t exclude Sundays, but it publishes no day-by-day hours for the desk. Call your store to be sure.

Does Walmart cash cashier’s checks and money orders?

Yes for cashier’s checks (the same fees as other pre-printed checks). For money orders, Walmart lists Western Union and MoneyGram money orders “in some locations” and states no separate fee.

What do I need to cash a check at Walmart?

Your check and a valid ID. Walmart says no registration, Walmart store card or Walmart MasterCard is needed. Endorse the check and hand it over at the Money Service Center or Customer Service desk.

08

Sources for this page

  1. Walmart: Check Cashing — Fees, check types, limits, ID, hours, two-party personal checks and the list of states (checked Nov 8, 2026).
  2. Walmart MoneyCard: Deposit a check — App check deposit run by Ingo Money; minutes for a fee or free within 10 days.
  3. Ingo Money: FAQ — Ingo’s fee for money in minutes (2% / 5%, $6 minimum).

Every fee on this site comes from the company’s own page, fee schedule or agreement, or from a statute or regulator. How we check them and how to report a change: methodology.

Cite this page

Where Can I Cash a Check. “Walmart check cashing: fees, limits and hours.” Updated November 8, 2026. https://wherecanicashacheck.com/walmart/