Third Party Check Cashing Walmart – Maybe you don’t have a bank account. Or maybe you happen to be shopping at Walmart and have your last paycheck in your pocket. Either way, Walmart is a great choice when it comes to cashing a check. Their fees are reasonable and their checking limits are high. Here’s everything you need to know about cashing checks at Walmart in 2022.

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

Third Party Check Cashing Walmart

Third Party Check Cashing Walmart

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

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– Checks up to $1,000 – For checks of $1,000 or less, the maximum fee you’ll pay at Walmart is just $4.

Walmart limits check cashing to $5,000 per check, but is expanding it to $7,500 from January through April.

When you cash a check at Walmart, you’ll have the option to transfer the amount of the check to a Walmart Money Card for future spending.

While this is an obvious way for Walmart to get you to spend money within its doors, it can be a smart way to help you control your spending.

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Walmart will happily cash your incentive or tax refund check as long as it doesn’t exceed their check limits.

Ask a Reader: Do you ever cash checks at your local Walmart? Is it as simple as it sounds or am I missing something? “Privately verified” means that our Financial Review Board has thoroughly evaluated the correctness and comprehensibility of the article. The review board consists of a panel of financial experts whose aim is to ensure that our content is always objective and balanced.

Written by Libby Wells Written by Libby WellsArrow Right Former credit card writer Libby Wells covers banking and deposit products. She has more than 30 years of experience as a writer and editor for newspapers, magazines and online publications. Libby Wells

Third Party Check Cashing Walmart

Edited by Nell McPherson Edited by Nell McPherson Arrow Right Former Banking Editor Nell McPherson is a former banking editor at , where she led a team of reporters dedicated to helping readers make the best decisions about their savings and checking accounts, CDs and money market accounts. Connect with Nell McPherson on LinkedIn Linkedin Nell McPherson

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Reviewed by Allyson Johnson Reviewed by Allyson JohnsonArrow Right Director of Investor Relations, Gateway Partners Allyson Johnson leads marketing and fundraising for Gateway Partners. She holds the CAIA charter and passed the CFA Level II exam. Connect with Allyson Johnson on LinkedIn Linkedin About Our Allyson Johnson Board

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Third Party Check Cashing Walmart

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For millions of unbanked consumers, cashing a check isn’t easy. According to a survey by the Federal Deposit Insurance Corp. of 2021 on Unbanked and Underbanked Households, approximately 5.9 million American households have no checking or savings account at a bank or credit union.

Where To Cash A Check Without Paying Fees

There are ways to cash a check without a bank account, but they cost more money, often take more time, and are riskier than cashing a check at a bank where you have an account. Here are five different ways to do it and how much it will cost you.

Banks and credit unions are not required to cash checks for non-drawers, but many banks will cash a check written by a current account holder at that bank, even if it is payable to a non-drawer.

There must be sufficient funds in the payer’s account to cover the check. The payee (the person the check is made out to) will be asked to show government-issued photo identification, such as a driver’s license, before the check is cashed.

Third Party Check Cashing Walmart

The payee should also expect to pay a percentage of the check amount, such as 1 percent or a flat fee. This can add up over time. For example, if you get paid 52 weeks a year and it costs you $8 to cash a paycheck at a traditional bank where you don’t have an account, that adds up to $416 in check cashing fees for the year.

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There may be other obstacles, such as limits on the number of checks and rejection of two-sided personal checks. Old or older checks may even be rejected.

Walmart charges $4 to cash checks up to $1,000, a maximum fee of $8 for checks over $1,000, and a maximum fee of $6 for two-party checks.

Many chain stores provide check cashing services. Kroger and Publix are just a few. Fees typically range from $3 to $6.

Consumers who don’t have bank accounts sometimes use prepaid cards to deposit checks and access their cash. Prepaid cards are similar to debit cards with a checking account. Your spending is limited by the amount of money you have loaded on the card.

Mobile Deposit & Photo Check Cashing

Prepaid cards have different check cashing options. Some prepaid cards allow you to set up direct deposit so checks are automatically loaded onto the card. Other cards come with an app that lets you take a photo of the check and load it onto the card. Or you may be able to deposit a check at an ATM and put money on the card.

The big disadvantage of prepaid cards is the fees. The Walmart MoneyCard charges $2.50 to withdraw money at an ATM (not including the fee the bank charges) or at a bank teller, and 50 cents to check your card balance at an ATM. The monthly fee is $5.94 unless you directly deposit at least $500 per month on the card.

Reload fees can be high. Adding money to a Visa Green Dot prepaid card costs up to $5.95. Green Dot also charges $32.50 for an ATM withdrawal and 50 cents for an ATM balance inquiry. Additionally, there is a $7.95 fee for each month the card is not loaded with at least $1,000.

Third Party Check Cashing Walmart

Check cashers are probably the most expensive places to cash checks. Some of these require customers to become “members” or become members

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