Can You Cash a Payroll Check at Walmart?

Can You Cash a Payroll Check at Walmart, August 2021

Walmart provides an alternative method of check cashing, which it provides through the Walmart Money Center (which is present in any Walmart Store). The same way you would cash a check at your local bank, Walmart allows people to cash their checks and get their cash instantly.

The service is available to those who don’t have a bank account or those who choose not to use banks to cash their checks. The process is pretty quick and straightforward. You don’t even need to register or shop at Walmart to cash your check. You also get to receive your cash fast.

It’s a convenient check cashing service that you can rely on every time you need to cash your checks fast. In this article, we provide a step-by-step guide on how to cash your payroll check using Walmart check cashing services.

Does Walmart Cash Payroll Checks?

Yes, they do, and it’s quite an interesting approach that they have here.

If you need to cash your payroll check but you don’t want to use a bank account, or you don’t have a bank account at all, or need to cash the check outside bank’s regular operation hours, or maybe you need to cash the check for some quick cash for emergencies, then you can use Walmart check cashing services.

No registration is required and you don’t even need to have a Walmart MoneyCard to cash your payroll check.

However, if you do own one, then you can have it loaded with cash after cashing your check for extra convenience.

How to Cash Your Payroll Check at Walmart Stores?

A woman wearing a business suit and man holding a bank bank check

After you know the answer to the question ‘does Walmart cash payroll checks’, you have to figure out how to cash your check in your local Walmart store.

All you’re required to do is present your endorsed payroll check for cashing at the Money Center or Service Desk at your local Walmart.

You’ll also be required to provide a valid government-issued form of photo identification. This could be your driver’s license or passport.

You may also be required to provide your Social Security number, so be sure to carry along your Social Security Card-just in case.

Along with identification, you’ll also need to pay the required fee at the checkout desk.

Once the cashier verifies that everything is correct in check, you’ll receive your money within a short time.

And as stated earlier, you are not required to register to cash your payroll check with Walmart. You also don’t need to have a Walmart Store Credit Card or Walmart MoneyCard.

Don’t Miss: How to Get a Credit Card Cash Advance?

How About the Check Cashing Hours at Walmart?

Well, you can cash your payroll check during any hours that the Walmart store you visit is open. You can visit the Store Finder website to check your local Walmart store operation hours.

How Much Will Cashing Your Payroll Check at Walmart Cost You?

The maximum cash checking limit is $5000. However, Walmart raises this limit to $7500 from January to April every year.

Walmart charges $4 in check-cashing fees for any checks amounting up to $1000. To cash a payroll check that’s between $1001 and $5000, you’ll be charged $8 per transaction.

Please note that if you already have a Walmart MoneyCard, which is Walmart’s reloaded prepaid card, you can have part or full amount of money from your check loaded into the card. However, the $3 reload fee that is usually charged for the service is waived, thus allowing you to save. However, keep in mind that the check-cashing fee is still deducted.

Don’t Miss: The Ultimate Guide to Check a Walmart MoneyCard Balance.

Why Should You Open a Bank Account?

Walmart provides consumers with a fast, easy, reliable, and convenient way to cash their checks. It’s especially convenient for consumers who don’t have bank accounts or those who need to access their money fast. Other people just prefer not to cash their checks in banks.

If you don’t have a bank account but would love to start cashing your payroll checks in a bank, you should consider opening one. There are several reasons why you should consider opening a bank account;

#1. Lower Check Cashing Fees

If you have a bank account, cashing your check can be cheaper compared to using Walmart. Some banks allow you to cash checks free of charge while others charge cashing fees ranging between $3-$10.

However, the fees may vary from bank to bank. Some banks also allow their customers to cash checks amounting to $50 for free.

For non-customers who need to cash their payroll checks at the bank, the fee might be higher. Using Walmart, in this case, might be a cheaper option for non-customers.


Once you know what is a routing number, you will notice that it can be used for many things. This includes wire transfers, check processing, automatic bill payments or direct deposits, among many others.

#2. Direct Deposit

One of the biggest advantages of having a bank account is that you can opt to have your salary deposited directly to your account by your employer.

Once the money is deposited, you can either withdraw it or spend it using your debit card without necessarily stepping foot into the bank. This is unlike Walmart where you have to queue at the checkout lane to cash your payroll check.

#3. Easy Access to Your Money

Because banks allow for direct deposits from your employer, it means that once you receive the money, you can start spending it right away. Having a bank account lets you easily access your money while saving you time and money.

Final Thoughts

Walmart Check Cashing service is a great option for those who need their cash fast. While the service is a little bit expensive compared to banks, it’s reliable, convenient, and you get your cash in a short time.

If you don’t have a bank account, using Walmart to cash your check is a great option. Hopefully, you now have a better understanding of how the Walmart Check Cashing service works.

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