What Time Does Walmart Stop Cashing Checks in 2024? The Complete Guide
Walmart‘s in-store MoneyCenters are a convenient and affordable option for cashing checks when you need quick access to funds. With over 5,300 locations across all 50 states, Walmart has become one of the largest check cashing providers in America. According to Walmart‘s 2021 annual report, MoneyCenters conducted 190 million transactions, up 23% from 2020.
But customers often wonder – what time do these financial hubs stop cashing checks each day? Can you still cash a check if you arrive after regular MoneyCenter hours? This definitive guide covers everything you need to know about check cashing hours, services, and policies at Walmart MoneyCenters nationwide.
Official Hours of Operation at Walmart MoneyCenters
While exact schedules can vary slightly by location, most Walmart MoneyCenters adhere to the following hours:
Monday to Friday
Open: 8 AM
Close: 8 PM
Saturday
Open: 8 AM
Close: 8 PM
Sunday
Open: 10 AM
Close: 6 PM
According to data from Merchant Maverick, over 87% of Walmart locations have a MoneyCenter. However, it‘s wise to verify hours at your specific store, especially if visiting on a weekend or holiday.
Holidays and Modified Schedules
Walmart MoneyCenters typically operate on shortened schedules on major holidays:
- New Year‘s Day: 10 AM – 6 PM
- Easter: Closed or 10 AM – 6 PM
- Thanksgiving Day: Closed
- Christmas Day: Closed
Around the winter holidays from December 22 – 24, locations may also reduce hours to 8 AM – 6 PM.
So in summary, the last check cashing times at most Walmarts will be:
- Monday to Friday: 8 PM
- Saturday: 8 PM
- Sunday: 6 PM
- Holidays: Up to 6 PM or closed
What Types of Checks Can You Cash at Walmart?
Walmart MoneyCenters cash a wide variety of checks with some common exceptions:
- Payroll checks
- Government checks (federal, state, and county)
- Cashier‘s checks
- Insurance claim checks
- Tax refund checks
- Money orders
- Most personal checks
Checks not cashed by Walmart typically include:
- Two-party checks
- Starter checks from new accounts
- Traveler‘s checks
- Checks from onlinepayment services (PayPal, Venmo, etc.)
- Non-U.S. bank checks (international checks)
According to Walmart policies, acceptable checks for cashing must be:
- Payable in U.S. dollars
- Dated within 90 days
- Signed by the account holder
Their check verification system screens for valid routing and account numbers to prevent fraud. It‘s wise to call ahead if you are unsure whether your check can be cashed.
Maximum Check Cashing Limits at Walmart
The standard limits for cashing checks at Walmart MoneyCenters are:
- Up to $5,000 for personal checks
- Up to $7,500 for tax refund checks in season
Based on location and state law, limits may range from $2,500 to $5,000 for personal checks. The max for tax refund checks can reach up to $10,000 during tax time at participating stores.
According to Walmart‘s 2021 annual report, the average check cashed at MoneyCenters is $1,631 – well below the maximum thresholds.
Fees for Cashing Checks at Walmart
One of the biggest benefits of cashing checks at Walmart is the low, transparent fees:
- Checks up to $1,000 – $4.00 fee
- Checks $1,000 – $5,000 – $8.00 fee
No other service charges or percentages apply for checks within their limits. This makes Walmart one of the most affordable national chains for check cashing services. Even at the maximum $8 fee, this represents just .16% of a $5,000 check.
Competitors like Check Into Cash and Check ‘n Go may charge 1-5% in fees, which would be $50 – $250 for cashing a $5,000 check.
Tips for Cashing Checks After MoneyCenter Hours
Sometimes you may need to cash a check outside of the MoneyCenter‘s regular business hours. Here are a few options:
Visit the Walmart Customer Service desk – They can cash checks up to $500 for a $3 fee if the MoneyCenter is closed.
Look for extended MoneyCenter hours – Some 24 hour Walmarts have MoneyCenters open later than the standard schedule.
Ask about next-day check cashing – If presented after closing, some MoneyCenters will let you cash the check the next business day.
Cash the check elsewhere – Nearby grocery stores, payday lenders, and banks may be open later but will likely charge higher fees.
The easiest option is to plan your visit during normal MoneyCenter hours whenever possible. But in a pinch, you still have several alternatives for cashing checks after the 8 PM weekday or 6 PM Sunday cutoffs.
Stop Waiting – Cash Your Checks at Walmart MoneyCenters!
Thanks to extended hours across the country, Walmart MoneyCenters provide one of the most accessible options for cashing checks quickly. Armed with the check cashing hours, limits, and fees above, you can speed up access to your money affordably. Don‘t let the chance to put your checks to work pass you by – stop by your local Walmart to cash your checks today!
