What Time Does Walmart Stop Cashing Checks? (2023 Update)

When you need to cash a check and pick up some household goods or groceries, then Walmart is your one-stop shopping location.

Of course, that check cashing desk – the Walmart Money Center – is not always open and available for check cashing.

So, you need to make sure that you arrive at the Walmart store near you when you can get that check cashed.

I asked my aunt Robin, who works at the Service Desk at our town’s Walmart, to give me all the details on check cashing at Walmart so that you know what to expect.

What Time Does Walmart Stop Cashing Checks?

If you need to cash a check at Walmart, then visit the store before the check cashing desk closes.

Most Walmart Money Centers stop cashing checks at 8pm for Monday through Saturday each week, and at 6pm on Sundays.

While the store itself will remain open, if show up to cash a check after the hours listed above, then you’ll discover that the Money Center is all closed up.

And that means you have to wait until the next day to cash your check because no other Walmart associates are able to cash checks outside of the Money Center.

Before you head out to cash your check at Walmart, remember that Money Centers only cash checks up to $5,000, although they increase this limit to $7,500 from January to April of each year for tax refund checks.

For anything higher than that, you need to take the check to your bank.

Trying to make the Money Center hours work with your schedule?

Maybe going early will help. Keep reading to learn the opening hours for check cashing at Walmart.

What Are The Walmart Money Center’s Opening Hours?

Okay, so you’ve decided that you can’t make it to cash your check before the Money Center at your local Walmart closes for the night.

Maybe it’s time to plan a check cashing trip for right after they open.

Generally speaking, Money Centers open for check cashing at 8am each day except for Sundays, when they open at 10am, in most Walmart store locations.

Keep in mind that the exact hours at your local Walmart store may vary by location.

We recommend that you use the Walmart Store Finder to get the phone number for your local store and just give them a call to confirm the current hours for the Money Center.

We also want to remind you that the Money Center offers more financial services than just check cashing.

At your local Walmart’s Money Center, you can put in a credit card application for a Walmart credit card, pay your credit card bill, send and receive money, get and fill a reloadable debit card, purchase gift cards, and much more.

What Types Of Checks Will Walmart Cash?

Not sure if you have a check that Walmart will actually be able to cash for you?

Luckily, they are able to cash more than one type of check.

Here’s a quick list of the types of checks you can cash at Walmart Money Centers:

• Payroll checks
• Tax refund Checks
• Cashier’s Checks
• Insurance settlement checks
• 401(k) or the retirement account disbursement checks
• MoneyGram money orders that were originally purchased at a Walmart Money Center

In fact, as long as it’s a pre-printed check, it’s likely you can cash it at Walmart. If you’re unsure, please visit the customer service desk to inquire if you have a check that doesn’t meet the listed criteria. 

The only types of checks you cannot cash at Walmart Money Centers are personal checks.

Before you head out to cash your check at Walmart, remember that Money Centers only cash checks up to $5,000, although they increase this limit to $7,500 from January to April of each year for tax refund checks.

Another thing to keep in mind that if you have a Walmart MoneyCard, which is their reloadable prepaid card, you can also have some or all of that money loaded onto your card and the reload fee that they typically charge for the service, which is $3, is waived.

However, note that the check cashing fee is still applied in this instance.

How Much Does It Cost To Cash A Check At Walmart?

The fee for cashing a check at Walmart is based on how much the check is that you present to them.

For checks up to $1,000, the max fee is $4 to cash the check.

For checks over $1,000, the max fee is $8 to cash the check.

In the states where two-party checks are allowed for check cashing, there is a max fee of $6 for Two-Party Personal Checks up to $200.

As you can see, the cost to cash a check at Walmart is very affordable.

But, not all states allow for check cashing at Walmart.

Which States Can I Cash A Check At Walmart?

Need to cash a check, but not sure if your local Walmart does check cashing?

Below we have listed all of the states where you can cash a check at Walmart.

• AL
• AK
• AR
• AZ
• CA
• CO
• CT
• DC
• DE
• GA
• HI
• ID
• IL
• IA
• KS
• KY
• LA
• ME
• MA
• MD
• MI
• MN
• MO
• MT
• NC
• ND
• NE
• NH
• NV
• OK
• OR
• PA
• SC
• SD
• TX
• UT
• VA
• VT
• WA
• WV
• WY

Which States Can I Cash A Two-Party Check At Walmart?

You should know that there are a handful of states where you can cash a two-party check at your local Walmart Money Center.

Below we have listed all of the states where you can cash a two-party check at Walmart.

• AL
• AK
• AR
• AZ
• CA
• CO
• DC
• GA
• ID
• IA
• KS
• KY
• LA
• ME
• MA
• MI
• MO
• MT
• NC
• ND
• NE
• NH
• NV
• OK
• OR
• PA
• SC
• SD
• TX
• UT
• VA
• VT
• WA
• WY

And remember, in the states where two-party checks are allowed for check cashing, there is a max fee of $6 for Two-Party Personal Checks up to $200.

How To Cash A Check At Walmart

If you’ve never cashed a check at a Walmart, then you may not be aware of how the process works.

We’ve got everything you need to know about the steps to cash a check at Walmart right here.

It is simple for you to cash your check while you’re at Walmart.

All you need to do is present your endorsed check to the cashier at the Money Service Center or Customer Service Desk, along with valid identification, and pay the required fee.

There’s no need to register to cash checks with Walmart or to have either a Walmart store credit card or Walmart MasterCard.

Once you have completed this process, you have your money in a matter of moments.

Not only do you get your cash immediately, you can also save money doing it. 

Final Word

As you can see, cashing a check at your local Walmart is a really easy process.

Money Centers open for check cashing at 8am each day except for Sundays, when they open at 10am, in most Walmart store locations.

And most Walmart Money Centers stop cashing checks at 8pm for Monday through Saturday each week, and at 6pm on Sundays.