Walmart check cashing is available during store hours, but the service desk closes earlier than the store itself

Walmart's check cashing service runs during the hours the customer service desk is open, not during full store hours. Most Walmart locations cash checks from 8 a.m. to 8 p.m., though this varies by store and day of the week. The service desk typically closes one to two hours before the store closes, so if your Walmart is open until 11 p.m., you cannot cash a check at 10:30 p.m.

The exact hours depend on your specific location. Some Walmart stores open their service desk at 7 a.m., and some close it as early as 6 p.m. on slower days. The best way to confirm is to call your local Walmart's customer service desk directly or check the store's hours on Walmart.com by entering your zip code.

Weekend hours are often shorter than weekday hours. Many locations reduce service desk staffing on Sundays, which can mean earlier closing times for check cashing. If you plan to cash a check on a weekend, call ahead rather than making a trip only to find the desk closed.

Key Takeaways

  • Most Walmart locations cash checks between 8 a.m. and 8 p.m., but hours vary by store and day of the week.
  • The customer service desk closes before the store itself, so you cannot cash a check during the last hour or two of store hours.
  • Calling your local Walmart's customer service desk is the fastest way to confirm current check cashing hours.
  • Weekend hours are often shorter than weekday hours, especially on Sundays.
  • You will need a valid government-issued ID and the check itself; some checks require additional documentation.

What documents you need to bring

You must bring a valid government-issued photo ID to cash any check at Walmart. A driver's license, state ID card, or passport all work. Walmart will not cash a check without one, even if you have a Walmart account or have cashed checks there before.

You also need the check itself. 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, even if that person signs it over to you on the back.

For some types of checks — such as payroll checks from certain employers or government benefit checks — Walmart may ask for additional proof. This might include a recent pay stub, a benefits statement, or proof of your address. If you are unsure whether your check will require extra documentation, call ahead and describe the check to the service desk.

Walmart's check cashing fees

Walmart charges a flat fee to cash checks, and the amount depends on the check amount. As of now, the fee ranges from about $3 for checks under $1,000 to $6 for checks $1,000 and above, though these amounts can change. Walmart does not charge a fee to cash government checks, including tax refunds and Social Security payments.

The fee is deducted from the check amount you receive. If you cash a $500 check and the fee is $3, you will receive $497 in cash. Ask the service desk clerk to confirm the exact fee before you hand over the check, so you know what to expect.

These fees are lower than many check-cashing services, but higher than cashing a check at your own bank if you have a checking account. If you cash checks regularly, opening a bank account may save you money over time.

Types of checks Walmart will and will not cash

Walmart cashes most common types of checks: payroll checks, government checks (tax refunds, Social Security, unemployment), personal checks, and cashier's checks. They also cash checks from other retailers, insurance companies, and loan companies.

Walmart will not cash checks that are post-dated (dated for a future date), checks with alterations or damage, checks that appear to be forged, or checks written for more than the stated amount. They also will not cash checks made out to a business or organization, only to individuals.

If your check is damaged, faded, or has writing that is hard to read, the service desk may refuse it. If the check is post-dated, you must wait until that date to return and cash it. Walmart's policy is to refuse post-dated checks even if you ask them to hold it for you.

What to do if your local Walmart does not cash checks

Not all Walmart locations offer check cashing. Some smaller Walmart stores or those in certain areas do not have the service. If your nearest Walmart does not cash checks, you can call other Walmart locations in your area to find one that does.

If no nearby Walmart cashes checks, other options include your bank (if you have an account), a credit union, a check-cashing store, or a grocery store with a service desk. Banks and credit unions typically charge no fee or a lower fee than Walmart, but they may require you to have an account. Check-cashing stores charge higher fees but are open longer hours and may accept checks that Walmart refuses.

Frequently Asked Questions

Can I cash a check at Walmart on Sunday?

Yes, but hours are often shorter on Sundays. Most Walmart locations have a service desk open on Sunday, but it may close earlier than on weekdays. Call your local store to confirm Sunday hours before you go.

What if I don't have a photo ID?

Walmart will not cash a check without a valid government-issued photo ID. If you do not have one, you will need to obtain a state ID card or driver's license before you can use this service.

Can I cash a check made out to someone else?

No. Walmart only cashes checks made out to you or to you and another person together. A check made out to someone else cannot be cashed at Walmart, even if that person signs it over to you.

How long does it take to cash a check at Walmart?

The process usually takes five to ten minutes if the line is short and your check has no issues. During busy times, it may take longer. Have your ID ready and the check filled out completely to speed up the process.

Does Walmart cash checks on holidays?

Walmart is open on most holidays, but hours may be reduced. Call your local store to confirm whether the service desk will be open and what hours it will operate on the holiday you plan to visit.