If you have ever wondered how you could easily get your check cashed out without a bank account or have to cash out at odd hours of the day, then this article is for you. This article has all the information you need about the solution to your cash check issues, which is the Walmart check cash policy. Read to know more.
What is Walmart’s check to cash?
Wal-Mart cash check is an important financial service which is provided by the Wal-Mart money center. It allows you to cash your check and have money at hand instantly. It requires no registration and guarantees quick cash at hand. This process is especially easy if you have a Wal-Mart money card.
Walmart money store.
This is a Walmart in-store that offers services such as cash checks, payment of bills, money transfers, and any other cash services. It is a ready alternative to a local bank.
Walmart money card.
This is a Walmart debit card that can be reloaded. It ensures no overdraft fees, is easy to use and you can get bonus perks. You can get your money card in a Walmart in-store or request it online.
Wal-Mart Policies.
The Wal-Mart money card allows you to add $20 to $1,000 to your card instantly without a bank account, however, there are essential requirements needed to cash your check at Wal-Mart and one of them is a valid government-issued identity card. You will also be expected to submit a sample of an endorsed check and your social security number.
What type of check does Wal-Mart cash out?
It is crucial to note that Wal-Mart is stringent about the type of checks for cash checking services. This is a result of the elevated rate of check fraud. Here are the lists of checks accepted by Wal-Mart:
Government checks. Tax refund checks. Insurance compensation checks. Cashier checks. Payroll checks. Retirement allotment checks. SSI checks. Business checks. Unemployment expense checks.
Here is also a list of checks that are not acceptable by Wal-Mart:
Non-money gram checks. Money gram money checks are not printed at Wal-Mart. Hand sketched checks. Personal checks. Checks that have numerous payees. Checks that are dated above 180 days before the current date. Post-dated checks. Pre-printed checks. Third-party checks.
When can Walmart reject checks to cash?
Wal-Mart can reject cashing a check for the following reasons:
If you have insufficient funds on your Wal-Mart money card. If you submit a cash check the unacceptable type of check. If the cash check surpasses the maximum check amount acceptable by Wal-Mart.
How to check cash at Walmart?
To cash your check at Wal-Mart, you have to:
Approve the check with your signature. Submit a government-issued identity card with a photo. If you are using a Wal-Mart cash check for the first time, you’ll have to submit your social security number to verify your identity. Submit the check and identity card to the cashier at the Wal-Mart money center.
Is there a check cash limit?
Walmart authorizes check-cashing of a limit of $5,000 per check. However, the limit is expanded to $7,500 from January to April to accommodate the payment of massive checks coming in during that period arising from tax refunds.
Methods of payment
Walmart authorizes you to receive your cashed funds in two ways:
By reloading your Walmart money card. By giving you the cash at hand.
What are the charges?
Walmart check cash charges are based on the amount of money to be cashed. Checks of $1,000 or lesser have a charge fee of $3 while checks of $1,000 or more have a charge fee of $6. This fee is withdrawn from the amount to be checked.
Comparing your local bank and Walmart.
Walmart offers cash checking at a lesser charge than a local bank. However, the local bank has more branches scattered around making them more attainable than a Walmart money store found only in a Walmart store. Local banks also have no cash check limit like Walmart. Another distinction between the local bank and Walmart is the fact that local banks can cash personal checks (if it’s issued by that bank) but Walmart doesn’t.
Hours of operation for the Walmart money store.
Walmart money store is accessible from 8 am to 8 pm from Monday to Saturday. They are accessible on Sundays from 10 am to 6 pm.
Can somebody aid me with cash checking at Walmart?
No. Cashing your checks at Walmart would require you to present your valid government-issued identity card. Walmart does not accept any third-party check cashing and so will not cash your check.
Walmart allows you to cash your checks without a bank account and at odd hours of the day. However, you have to be sure that Walmart cashes the type of check you have. You can have your cash credited into your money card or bank debit card with very low charges.
