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With more than 4,500 stores in the United States, Walmart is often the easiest place to get groceries, clothing, home goods, toys and more. But did you know you can even cash a check at Walmart? If you don’t have a bank, if your bank doesn’t comply, or if you happen to be at Walmart picking up a few items, you can cash a check at a nearby location.
Walmart Cash Third Party Checks
Cashing a check at Walmart is easy. Just bring your check and valid identification, such as a driver’s license or other government-issued photo ID, to the customer service desk or MoneyCenter at your local Walmart. Checks can be cashed whenever the Service Desk or MoneyCenter is open.
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You will need to endorse (sign) the check on the back to cash it. A customer service representative or Money Services counter will compare your signature on the check with the signature on your ID to make sure it’s you. While it’s not necessary to endorse a check in front of a clerk—you can do it in advance—it’s a good idea to do it there so you don’t have to carry the endorsed check with you.
The largest two-sided personal check you can cash at Walmart is $200. For all other check types, the maximum amount is $5,000 from May to December and $7,500 from January to April. Why the difference according to the season? Tax refund checks come in the first four months of the year and can easily exceed $5,000, especially for a couple filing jointly. So Walmart is increasing the limit for those months.
Cashing a check at Walmart will cost you. The fee for checks of $1,000 or less is a maximum of $4. The fee for checks over $1,000 up to a limit of $5,000 (or $7,500 from January to April) is a maximum of $8. Two-sided personal checks up to $200 can be cashed for a maximum fee of $6.
Cashing a check at Walmart may not be the cheapest way to do it—after all, your bank will cash the check for you for free. But it sure is convenient, with Walmart locations across the country. Plus, Walmart branches tend to have longer business hours than most banks, so you can cash a check at night or on the weekend if you need to. It’s nice to know that you can cash many different types of checks at Walmart.
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Editorial Note: This content is not provided by any entity listed in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by any entity mentioned in this article.
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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. as of 2021, among unbanked and underbanked households, approximately 5.9 million American households have no checking or savings account with a bank or credit union.
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 checking account holder at that bank, even if it is payable to a non-drawer.
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There must be sufficient funds in the payer’s account to cover the check. Before the bank cashes the check, the payee (the person the check is made out to) will be asked to show proof of government-issued photo identification, such as a driver’s license.
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 for 52 weeks