Aside from offering everyday low prices on goods and services, Walmart also saves customers some stress and time related to cashing checks and using the bank. 

The hassle of running to the bank before the closing period, the time wasted queueing in a long line to cash checks at a check cashing store, or the stress of searching for an ATM to cash out checks is solved with Walmart Money Service Center.

Walmart Money Service Center also allows customers to cash their checks while also shopping for their needs and wants without any added stress and it is done without wasting time.

So, what time does Walmart stop cashing checks? This article will guide you by answering the question about the time Walmart stops cashing checks, the types of checks that are allowed, the way you can cash your checks, the limits, and every other thing you need to know about cashing checks at Walmart.

Quick Fact:

  • Walmart starts cashing checks by 6 am.
  • Walmart stops cashing checks by 11 pm.
  • Walmart cash checks at the Money Center section or the Customer Service Center.
  • Personal checks are the only type of checks you can not cash at Walmart.
  • You are charged a fee for cashing checks at Walmart.

What Time Does Walmart Stop Cashing Checks: All You Need To Know

Walmart money center is a platform created by Walmart to further make shopping in Walmart stores and Supercenters flexible.

Customers do not have to go to the bank or cash check stores to cash their checks. It can be done at Walmart stores. 

What Time Does Walmart Stop Cashing Checks: All You Need To Know

There is a section in a store provided by Walmart that is known as the Money Center and cashing checks is one of the functions it executes. In cases where there are no Money Service Centers in a store, the Walmart customer service section performs the duty instead.

What Time Does Walmart Stop Cashing Checks?

Customers can cash checks at Walmart stores, Walmart Supercenters, and Walmart Neighborhood Markets.

The money service center in the stores operates with the time of the stores. The money service center opens by 6 am and closes by 11 pm; the exact time Walmart stores open and close.

So, what time does Walmart stop cashing checks? The answer to the question about the time Walmart stops cashing checks is 11 pm. 

Once the store closes for the day, the money service center also closes, which translates to the stoppage of check cashing at Walmart.

Also, the money service centers in Walmart stores operate every day from Monday to Sunday.

How to Cash Checks Walmart 

Walmart makes it very easy to cash your checks in-store. Registration is not required to cash checks at Walmart and you do not have to own a Walmart store credit card or Walmart MasterCard before you are attended to.

It is super easy and convenient. All you have to do is to tender your authorized check with a valid verification ID to the cashier at the Walmart Money Service Center or the Customer Service Center if the money service center is not available in the store.

You get your cash immediately after paying the required fee, and you can also load your cash on a Walmart MoneyCard for extra comfort.

The Types of Checks You Can Cash At Walmart

Walmart cashes numerous checks for you at the checkout lines. So far it is a pre-printed check, you are free to go.

The types of checks cashed at Walmart include payroll checks, tax refund checks, government checks, insurance settlement checks, retirement account disbursement checks or 401(k), and many more.

If you doubt the check’s validity, you should inquire if the check meets the criteria listed by Walmart by visiting the customer service desk.

Also, Walmart cashes MoneyGram money orders so far they were purchased originally at Walmart.

Note: Personal checks are the only types of checks you cannot cash at Walmart.

What is the Cost of Service for Cashing Checks at Walmart?

Cashing checks at Walmart is not free. There is a fee to be paid to Walmart on every cashing of checks you do.

However, the fee to be paid varies depending on the value of the check you wish to cash.

The maximum fee that you can be charged for checks worth up to $1,000 is $4 while you will be charged $8 maximum for checks that are greater than $1,000 and worth up to $5,000.

The maximum fee that will be paid for a two-party personal check worth up to $200 is $6.

Furthermore, Walmart charges a fee of $3.74 for each card cashing transaction. The fee deducted by Walmart is different from the fee(s) charged by the issuer of the card and the total money to be deducted will be the sum of the two. 


  • A pin number is required to be entered to execute a card cashing transaction.

Is There a Limit to How Much Check That Can Be Cashed At Walmart?

Walmart sets limits on the amount of checks that can be cashed by an individual daily.

The limits have been highlighted below.

  • A two-party personal check is limited to $200 daily.
  • Other checks aside from the two-party personal checks are limited to $5,000. Though the limit is increased from $5,000 to $7,500 from January to April every year.
  • Card cashing transactions are limited to $1,000 per transaction, and the limit to the number of cards an individual can use per day is three (3).

Note: Customers who wish to cash checks above $5,000 and up to $7,500 during the January to April period should ask the fee to be charged from Walmart’s customer service department 

How to Know If Your Local Store Has a Money Service Center

You can find the details of all Walmart stores on the store finder page. To know if your store has a money service center, follow the following steps.

  1. Visit the Walmart store finder page.
How to Know If Your Local Store Has a Money Service Center - Image 1
  1.  Enter the location you wish to find out and click on update location. I searched for Indiana in the image below.
How to Know If Your Local Store Has a Money Service Center - Image 2
  1. Click on the information icon in front of the store you wish to know about.
How to Know If Your Local Store Has a Money Service Center - Image 3
  1. On the store I clicked on, the store offers the following services: Auto care center, Bakery, Deli, Money services, Pharmacy, Photo, Pickup, and Vision.
How to Know If Your Local Store Has a Money Service Center - Image 4

Note: A store without Money service does not have its section but you can cash checks at the customer service department.

Can Checks Be Cashed and Placed Walmart MoneyCard?

Yes, you can place all or some of the money from the check you want to cash placed on your Walmart MoneyCard. 

If you own one, just give it to the cashier. However, if you do not have one, you can get it in two ways.

  1. Apply for a money card in-store

If you want to place your checked cash on the Walmart Moneycard and wish to use it that day, apply for it in-store.

If your application gets approved, you will pay a $3 set up fee, and collect it to use that day.

  1. Apply for it online

You can also request your Walmart moneycard online. All you have to do is to request it on the Walmart money card page.

The Walmart MoneyCard will be mailed to you. After receiving the MoneyCard, hand it over to the cashier to load your cash checked funds onto it.

The MoneyCard is Walmart readable prepaid card and the $3 reload fee charged for the service will be waived, although the check cashing fee will still be deducted. 

Note: If you apply for your Walmart MoneyCard online, you will not pay the $3 set-up fee.

Benefits of Using Walmart MoneyCard

The Walmart MoneyCard is a prepaid card loaded with your money. It works like a debit card and is branded as either a MasterCard or Visa.

Customers that use the Walmart MoneyCard will enjoy the benefits listed below.

  1. It is used for purchases and cash advance
  2. It allows you to set up a direct deposit with your employer and receive the money 2 days faster than you would get it from your bank.
  3. You get 3% of your purchase price back when you shop with your card at Walmart site.
  4. You are rewarded a 2% cash back when you get gas at either a Walmart-branded gas station or any station operated by Murphy USA.
  5. When you use your card at any Walmart or Sam’s Club location, you get 1% cashback.
  6. You can also send and receive money through MoneyGram and Walmart’s online bill-paying service.
  7. The MoneyCard also allows you to send money to another Walmart MoneyCard, PayPal account, or any prepaid debit card issued by Green Dot Bank.


  • You must be 18 years or older to purchase a Walmart MoneyCard.
  • Activation of the card requires online access and identification (SSN inclusive) to open an account.
  • To access all features, mobile or email verification and the mobile app are required.

Other Walmart Money Center Services 

Aside from cash checking, the Walmart money center offers more financial services.  A few of the services have been listed below.

  1. Walmart Pay
  2. Installment Financing
  3. Express Money Services
  4. Tax Preparation Services.
  5. Bill Pay
  6. Money Orders
  7. PayPal

Bottom Line

Walmart stops cashing checks by 11 pm when all Walmart stores close for the day.

To cash a check, you can visit as early as 6 am when the stores open. You also have to visit the Money Service Center section in the store or the Customer Service Department with a valid ID to initiate the cashing of the check.

Also, it is important to note that there is a limit placed on the amount of money on a check that can be cashed, and a fee is always attached to be paid to Walmart. The payment may be as small as $3.74 or higher than $8.

In addition, you can also put all or some of the money from the check you cash on your Walmart MoneyCard if you own one, but can apply if you do not have it. You will be charged a $3 fee for the card set-up if your application is approved in-store but will receive it for free if you apply online.

The Walmart MoneyCard works like a debit card and comes in a MasterCard or Visa branding. It has a lot of benefits attached. See more in the article.  

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