Does Walmart Have ATMs in 2024? Everything You Need to Know

ByCharles Scott Last Update on

As one of the most popular retailers in the world, Walmart offers a ton of convenient services for the millions of customers who flock to their stores each day. One of the top perks? Access to ATMs for quick and easy cash withdrawals.

But how exactly do the ATMs at Walmart work, and are there any fees or limits involved? This comprehensive guide has all the details you need for a smooth experience getting cash from Walmart ATMs in 2024.

The Basics of Walmart ATMs

The vast majority – over 90% according to Walmart‘s own data – of Walmart and Neighborhood Market stores have ATMs located up front, generally near the customer service desk. This prime placement allows shoppers to grab cash before hitting the aisles.

These handy ATMs do come with some caveats, however:

  • There are fees to use them – typically $1 to $4 per withdrawal, but sometimes as high as $5 based on reports from customers. Always check the on-screen notices before completing your transaction.

  • Special rules apply for Walmart MoneyCard holders – more on those valuable perks below!

  • Withdrawal limits may impact how much cash you can get. Both store-set and bank-set caps can come into play.

  • The type of bills you receive depends on what‘s currently in the machine. Walmart loads each ATM with a set amount of $20s, $10s, etc.

Now let‘s get into the details on how to access cash from Walmart ATMs while avoiding fees and bumping into limits!

Avoiding Fees at Walmart ATMs

The fees to use a Walmart ATM tend to range from $1 on the low end up to $4 on the high end, based on multiple customer reports. But there are some handy ways to sidestep these pesky charges:

  • Use a Walmart MoneyCard – These prepaid debit cards let you withdraw cash from Walmart ATMs 100% free. There‘s no fee for using the ATM or for the withdrawal transaction itself. More on the MoneyCard below!

  • Pay with a debit card and get cash back – When checking out, ask for cash back up to the store limit (usually $100) when making a Walmart purchase with your debit card. No fees!

  • See if your bank refunds ATM fees – Many major banks and credit unions reimburse fees charged by out-of-network ATMs. Cash in on this perk if your financial institution offers it.

I‘ve personally used both the Walmart MoneyCard and debit card cash back techniques to skip the ATM fees with complete success. It makes a transaction that would normally cost $3 totally free!

Walmart MoneyCard Benefits and Limits

The Walmart MoneyCard is a prepaid debit card that offers some excellent perks for withdrawing cash from Walmart ATMs:

  • No fees at Walmart ATMs – The MoneyCard waives all fees for withdrawals from ATMs in Walmart stores.

  • $3,000 daily ATM withdrawal limit – You can take out up to $3,000 per day from a Walmart ATM using the MoneyCard.

  • $10,000 overall daily spending limit – This is the total amount of purchases and withdrawals allowed per day with the MoneyCard.

  • Access to over 32,000 ATMs nationwide – In addition to Walmart, you can use the MoneyCard for free at other major chains like CVS, Walgreens, and 7-Eleven.

So the Walmart MoneyCard provides unparalleled access to fee-free cash nationwide. It‘s an excellent option for anyone who regularly needs cash.

Understanding Walmart ATM Withdrawal Limits

Beyond the MoneyCard, there are other potential limits on how much cash you can withdraw from a Walmart ATM in a single transaction:

  • Individual store limits – Each Walmart location can set a withdrawal cap based on factors like cash flow and security concerns. These start around $200 based on reports. Calling ahead is the best way to check a specific store‘s policy.

  • Bank-imposed limits – Many major banks have their own maximum ATM withdrawal amounts to reduce fraud risk. These often fall in the $500 to $1000 range per day, but vary considerably by provider.

According to Walmart, their ATMs can distribute a maximum of $3,000 per transaction. But in practice, getting this amount is rare due to the other limits in play. Knowing these caps can help prevent getting stranded without cash!

What Denominations Are Available?

Walmart ATMs contain a preset amount of bills in certain denominations – $20s, $10s, $5s, and $1s. The mix available in each machine varies based on a few factors:

  • Overall cash flow – Higher traffic stores will stock more of the most commonly used bills – typically $20s. Quieter locations may have more $5s and $1s.

  • When cash was last added – Supplies of different bills fluctuate between cash refills, which usually happen 2-3 times per week.

  • Machine capacity – Some ATM models simply can‘t hold as many bills, so denomination options are more limited.

I‘ve personally received $50 bills from Walmart ATMs on multiple occasions when withdrawing $100 or more. But it‘s always best to call ahead to your individual store if you need specific denominations. The customer service desk can check the ATM‘s current stock.

The Bottom Line on Walmart ATMs

Walmart provides an invaluable service by making ATMs readily available in their stores across the country. With some planning around fees, limits, and bill denominations, you can ensure a smooth experience withdrawing the cash you need. A MoneyCard is the ultimate option for fee-free access, but debit cards and calling ahead work too. Now you have the full scoop on getting cash from Walmart‘s ATMs!

Charles Scott is a dynamic professional whose academic and career achievements demonstrate a strong commitment to excellence in the retail and consumer service industry. Graduating with an MBA from New York University in 2013, Charles has built a diverse and impressive career portfolio. He has held significant roles as a manager, advisor, and marketer, showcasing his multifaceted skills and deep understanding of the industry.

Beyond his direct professional engagements, Charles has made a notable mark as the head writer and founder of ExpertBeacon.com. This platform stands as a testament to his dedication to consumer empowerment and education. ExpertBeacon.com is a resource designed to assist consumers in addressing their persistent questions about products, services, and companies. Under Charles's leadership, the site provides in-depth, well-researched, and accurate information, all structured in easy-to-follow guides and articles. His work here not only highlights his expertise in the field but also his commitment to providing valuable, actionable information to the public.

Charles's approach is centered on a keen understanding of consumer needs and market dynamics, making him a respected voice in the industry. His contributions through ExpertBeacon.com and his professional roles reflect a blend of strategic thinking, practical knowledge, and a genuine desire to enhance consumer experiences in the retail and consumer service sectors.

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