Walmart check cashing is available during store hours, which vary by location but typically run from 6 a.m. to 11 p.m. or 7 a.m. to 10 p.m.

The exact hours depend on your individual Walmart store. Most Walmarts operate their Money Center — where check cashing happens — during the same hours as the store itself, but some locations close the Money Center an hour or two before the store closes. The fastest way to confirm your store's check cashing hours is to call the store directly or check the hours listed on Walmart's website by entering your zip code.

Check cashing at Walmart is not available 24 hours a day, even at stores that are open around the clock. If you need to cash a check outside normal business hours, you will need to use a different option like your bank, an ATM, or another check cashing service.

Key Takeaways

  • Walmart Money Center check cashing hours match store hours at most locations, typically 6 a.m. to 11 p.m. or 7 a.m. to 10 p.m., but vary by store.
  • Call your local Walmart or check Walmart.com with your zip code to confirm your store's exact Money Center hours before you go.
  • You will need a valid government-issued photo ID and the check you want to cashed.
  • Walmart charges a fee for check cashing that depends on the check amount; fees typically range from a few dollars to around $6 for larger checks.
  • If your store's Money Center is closed, you can cash checks at your bank, use an ATM if the check is depositable, or visit another check cashing service.

What you need to bring to cash a check at Walmart

You will need two things: a valid government-issued photo ID and the check itself. Acceptable IDs include a driver's license, state ID card, passport, or military ID. Walmart will not cash a check without seeing your ID, even if someone else is cashing it on your behalf.

The check must be made out to you or to you and another person. If the check is made out to someone else, Walmart will not cash it. Make sure the check has not been altered and that the amount is written the same way in both numbers and words.

Check cashing fees at Walmart

Walmart charges a fee for every check cashed at the Money Center. The fee amount depends on the size of the check. For checks under $1,000, the fee is typically $3. For checks between $1,000 and $5,000, the fee is usually around $6. Walmart does not cash checks over $5,000.

These fees are not set in stone — they can vary slightly by location. Call your store to ask about the exact fee structure before you go, or ask the cashier when you arrive. The fee will be deducted from the check amount you receive.

Finding your nearest Walmart Money Center

Not every Walmart location has a Money Center, though most do. To confirm your store offers check cashing, go to Walmart.com, enter your zip code, and select your store. The store details page will list the services available, including Money Center services.

If your nearest Walmart does not have a Money Center, you can search for other Walmart locations in your area that do, or consider using your bank, a credit union, or another check cashing service. Some grocery stores and pharmacies also offer check cashing for a fee.

When the Money Center is closed but the store is open

Some Walmart locations close the Money Center before the store itself closes for the day. This is common in stores that stay open late or 24 hours. If you arrive and the Money Center is closed, you will not be able to cash your check there, even if other parts of the store are still operating.

To avoid a wasted trip, call ahead and confirm the Money Center is open. If it is closed, you have several options: return during Money Center hours, visit your bank or credit union, use a different check cashing service, or deposit the check into your bank account if you have one and can wait for it to clear.

Alternatives if Walmart is not convenient

Your bank or credit union will cash checks during their business hours, usually without a fee if you have an account. If you do not have a bank account, check cashing services, grocery stores, and some pharmacies offer check cashing for a fee, often lower than Walmart's if the check is small.

If you have a smartphone, some banks and financial services apps allow you to deposit checks by taking a photo, which means you do not have to visit a physical location at all. This option works if you have a bank account and can wait a few business days for the check to clear.

Frequently Asked Questions

Can I cash a check at Walmart on Sunday?

Yes, if your Walmart is open on Sunday and the Money Center is operating during store hours. Most Walmarts are open on Sundays, but hours vary by location. Call your store to confirm both the store hours and Money Center hours for Sunday.

What if my check is torn or damaged?

Walmart may refuse to cash a damaged check, depending on how severe the damage is. If the check is still readable and the signature and amount are clear, it might be accepted. If there is significant damage, contact the person or business that issued the check and ask for a replacement.

Can someone else cash my check for me at Walmart?

No. The person cashing the check must be the person the check is made out to, and they must present a valid photo ID. Walmart will not cash a check for someone else, even with written permission.

Does Walmart cash paycheck stubs or tax refund checks?

Walmart cashes personal checks, business checks, and government checks like tax refunds and stimulus payments. Paycheck stubs are not checks and cannot be cashed. If you need cash from your paycheck, ask your employer about direct deposit or early pay options.

What time does the Money Center close if the store is open 24 hours?

Even at 24-hour Walmarts, the Money Center has set closing hours, usually between 8 p.m. and midnight. Call your store to find out the exact closing time for the Money Center, since it varies by location.