Does Walmart Cash Handwritten Checks in 2024? The Complete Guide

With the prevalence of digital payments, you may think handwritten checks are a thing of the past. However, they can still be a convenient payment method in certain situations. But can you cash handwritten checks at Walmart?

Here is a comprehensive guide on Walmart‘s policies, other places you can cash handwritten checks, fees to expect, and expert tips for ensuring your check gets cashed without any hassles.

Does Walmart Accept Handwritten Checks?

This is the million dollar question. The short answer is – it depends on the specific Walmart location.

According to Walmart‘s corporate policy, most Walmart stores do not accept handwritten checks with a physical signature. Instead, they only cash electronically printed checks that contain:

• Company name
• Company phone number
• Company address
• Check date
• Amount in words and numbers

This blanket policy exists because handwritten checks pose higher risks of fraud, insufficient funds, and other losses for Walmart.

However, some Walmart locations, especially in certain states, may cash handwritten checks on a case-by-case basis. State laws and other factors can affect acceptance.

Here are two ways to find out your local store‘s policy:

• Call ahead – Contact your nearest Walmart MoneyCenter and ask if they accept handwritten checks. This is the most reliable way.

• Visit in person – Go to the MoneyCenter and inquire. But be prepared they may decline your check.

So in summary, while corporate policy is a no for handwritten checks, local Walmart policies can vary. Check before visiting to avoid wasted trips.

Top Places That Cash Handwritten Checks

If your local Walmart won‘t cash handwritten checks, plenty of other establishments will. Here are the top options to consider:

Banks and Credit Unions

Your best bet is going to your own bank or credit union, where you‘ll likely get the check cashed for free or minimal fees as an existing member.

Even if you don‘t have an account, many mainstream banks like Chase, Bank of America, Citi, Wells Fargo, and smaller local banks will cash handwritten checks for non-customers for a small fee (usually under $10).

According to a 2021 Consumer Federation of America survey, over 80% of banks will cash checks for non-customers.

Here are some top banks and credit unions to try:

• Chase – Cashes checks up to $5,000 for non-customers for a $8 fee
• Bank of America – $8 fee for checks under $5,000 for non-customers
• Wells Fargo – $7.50 fee per check for non-customers
• CitiBank – Up to $8 fee per check for non-customers
• Local and regional banks – Up to $10 check cashing fee typically

Check Cashing Stores

Check cashing stores like Check Into Cash, Ace Cash Express, Check Center, and Check ‘N Go are convenient options for cashing handwritten checks quickly.

However, fees are usually higher – often a flat fee of 1% – 5% of the check amount on top of a fixed per-check fee of $2-$5. Still, they may be more affordable than paying overdraft fees if a check bounces.

According to the Financial Service Centers of America, the average fee at check cashing stores is 2.25% of the check face value.

Retailers

Many grocery stores, pharmacies, and big box stores like Walgreens, Kroger, Home Depot, Lowe‘s, and Kmart allow check cashing for purchases and even offer check cashing services for non-customers.

Fees are usually comparable to banks – around 1% – 5% of the check amount. Retailers are convenient if you also want to shop while getting your check cashed.

Expert Tips for Cashing Handwritten Checks

Follow these tips from check verification experts for smoothly cashing handwritten checks:

• Ask about ID requirements – Have a valid government-issued photo ID ready.

• Inquire about fees ahead – Know the exact check cashing fees to expect.

• Get the check author‘s info – Name, address, phone number, signature.

• Only use blue or black ink – Never use pencil, gel pens, or erasable ink which can be manipulated.

• Write neatly and firmly – Fill out the check clearly and press hard when writing.

• Avoid extra markings – Stray marks can lead to rejection of the check.

• Double check accuracy – Ensure no errors in payee name, amount, date etc.

Following these simple endorsed best practices will make your check cashing experience smooth and hassle-free.

The Bottom Line

While Walmart may not cash handwritten checks at all locations due to fraud risks, convenient and affordable options abound at banks, credit unions, check cashing establishments, and even many retailers.

By calling ahead, asking about fees, having proper ID ready, and following expert tips, you can easily get your handwritten checks cashed locally. With some due diligence, handwritten checks can remain a useful payment method.