When Walmart Check Cashing Is Open and What to Bring

Walmart check cashing hours vary by location, but most stores cash checks during regular business hours, typically 8 a.m. to 10 p.m. Some Walmart locations open as early as 6 a.m. or stay open until midnight, and a few 24-hour Walmart stores cash checks around the clock. The best way to confirm your specific store's hours is to call the location directly or check Walmart's website by entering your zip code.

Key Takeaways

• Most Walmart locations cash checks during their regular store hours, which typically run from 8 a.m. to 10 p.m., though hours vary by location.
• You will need a valid government-issued photo ID and the check itself to cash a check at Walmart.
• Walmart charges a fee for check cashing that depends on the check amount, ranging from around $3 to $6 for most personal checks.
• Calling your local Walmart or checking the store locator on Walmart's website is the fastest way to confirm check cashing hours at your store.
• Some Walmart locations do not offer check cashing services, so confirming availability before you go saves a trip.

How to find your store's check cashing hours

Walmart's website has a store locator tool where you can enter your zip code or city and see a list of nearby locations. Once you select your store, the page displays regular business hours. However, the store hours shown may not specify when the check cashing service itself is available, since some stores limit check cashing to certain hours within their operating day.

Calling the store directly is the most reliable method. Ask for the customer service desk or the money services counter and confirm that the location cashes checks and what hours that service runs. Store phone numbers are listed on the Walmart website next to each location.

If you are planning to cash a check on a holiday or weekend, call ahead. Some Walmart locations have reduced hours on holidays, and a few do not cash checks on Sundays, though this is less common.

What you need to bring to cash a check

You will need two things: the check itself and a valid government-issued photo ID. Acceptable forms of ID include a driver's license, state ID card, passport, or military ID. Walmart will not cash a check without both the check and the ID.

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. The check should not be post-dated (dated for a future date), as Walmart does not cash those.

If you are cashing a check for someone else who is not present, you cannot do so at Walmart. The person whose name is on the check must be there with their own ID.

Check cashing fees at Walmart

Walmart charges a fee for every check cashed. The fee amount depends on the check amount and ranges from around $3 for checks under $1,000 to $6 for checks $1,000 or more. Some Walmart locations may charge slightly different amounts, so ask the cashier what the fee will be before you hand over the check.

The fee is deducted from the check amount you receive. For example, if you cash a $500 check and the fee is $3, you will receive $497 in cash.

Walmart Money Card holders may receive discounted check cashing fees or free check cashing on certain check amounts. If you have a Walmart Money Card, mention it when you approach the counter.

Which Walmart locations do not cash checks

Not every Walmart location offers check cashing. Some smaller Walmart stores, Walmart Neighborhood Markets, and Walmart Express locations do not have money services counters and cannot cash checks. This is why confirming availability before you go is important.

If your nearest Walmart does not cash checks, you can look for another Walmart location nearby that does, or explore other check cashing options in your area, such as your bank, a credit union, or a dedicated check cashing store.

Weekend and holiday check cashing at Walmart

Most Walmart locations are open on weekends and cash checks during their regular weekend hours. Saturday and Sunday hours are often the same as weekday hours, though some stores may open later or close earlier on weekends.

On major holidays like Thanksgiving, Christmas, and New Year's Day, many Walmart stores are closed or have limited hours. Some locations may not offer check cashing services on these days even if the store itself is open. Calling ahead is especially important if you need to cash a check on or around a holiday.

Frequently Asked Questions

Can I cash a check at Walmart if I don't have a photo ID?

No. Walmart requires a valid government-issued photo ID to cash any check. Without one, the store cannot complete the transaction. If you do not have a photo ID, you will need to obtain one or find another way to cash the check.

What if the check is made out to two people?

Walmart can cash a check made out to two people if both names are on the check and both people are present with valid photo IDs. If only one person is present, Walmart will not cash it.

Does Walmart cash checks 24 hours a day?

Only a small number of Walmart locations are open 24 hours, and even those stores may not offer check cashing services around the clock. Most 24-hour Walmarts limit check cashing to daytime and evening hours. Call your local 24-hour Walmart to confirm when check cashing is available.

Can I cash a check at Walmart if it's post-dated?

No. Walmart does not cash post-dated checks (checks dated for a future date). The check must be dated today or earlier. If your check is post-dated, you will need to wait until that date to cash it, or find another financial institution that may accept it.

What happens if Walmart's check cashing limit is lower than my check amount?

Walmart has a maximum check cashing limit, which varies by location but is typically around $5,000. If your check exceeds the limit, Walmart cannot cash it. You would need to deposit it at a bank or credit union instead, or contact the check issuer about splitting it into smaller checks.