Does Walmart Cash Checks On Saturday and Sunday In 2022?
The short answer is yes, Walmart does cash checks on both Saturdays and Sundays during regular store hours. This provides a convenient option for cashing checks urgently on weekends when banks are closed.
As an ecommerce business owner, having quick access to check funds is crucial for maintaining cash flow. Walmart‘s weekend check cashing can be a lifesaver for sellers who need to convert checks to cash before Monday.
With over 4,700 retail locations nationwide, Walmart offers Check cashing services at most stores on Saturdays from 8am – 8pm and Sundays 10am – 6pm. Over 140 million Americans shop at Walmart each week, making it a popular and accessible destination for financial services compared to traditional bank branches.
But is Walmart your best option for cashing checks on weekends? Here is an in-depth look at how Walmart‘s check cashing works on Saturdays and Sundays and key considerations from a seller‘s perspective.
When Can You Cash Checks at Walmart on Weekends?
Saturdays: Most Walmart stores are open 8am – 8pm on Saturdays for check cashing at MoneyCenters and Customer Service desks.
Sundays: Sunday hours are typically 10am – 6pm but may vary by location. Confirm your store‘s Sunday times before going.
Holidays: Walmart is usually open with reduced hours on holidays like Easter, July 4th, etc for check cashing. Christmas Day is the only day typically closed.
Always check your specific store‘s hours using the Store Finder before heading to Walmart to cash checks on weekends. Holiday and shortened Sunday hours can vary.
How To Cash Checks at Walmart on Saturday or Sunday
Cashing a check at Walmart on the weekends is easy:
Take your check and valid photo ID to any Walmart MoneyCenter or Customer Service Desk.
Endorse the back of your check with your signature and write "For Deposit Only at Walmart Store #XXXX" filling in your store‘s number.
A cashier will verify your ID, review the check, and process the cash payout if approved.
Having a deposit slip speeds up the process but is not required. I recommend going earlier in the day on weekends to avoid long lines during peak times.
What Type of Checks Does Walmart Cash on Weekends?
Walmart cashes a wide variety of printed checks on Saturdays and Sundays, including:
- Payroll checks
- Personal checks
- Business checks
- Government checks
- Cashier‘s checks
- Tax refund checks
- Insurance settlement checks
- 401k/retirement account checks
As long as it‘s a printed check with your name, Walmart will cash it on weekends up $5,000 ($7,500 during tax season). No temporary checks are allowed.
Top Situations Where Sellers Cash Checks Urgently on Weekends
As a seller, there are many scenarios where I‘ve needed to cash checks right away on weekends:
Received payment late Friday for a supplier payment due Monday. Had to race to Walmart Saturday morning to cash the check and avoid late fees!
Big sales day Saturday at a flea market. Cashed my stack of checks immediately on Sunday so I could replenish hot selling inventory.
Check for sold out product arrived Saturday. Cashed it Sunday so I could re-order from my supplier first thing Monday morning.
Need to fund inventory purchases. Frequently cash checks on weekends so I can wire payments to my Chinese suppliers before banks open Monday.
Cashing checks quickly is vital for small businesses to keep cash flowing!
Pros of Cashing Checks at Walmart vs. Banks
From a seller‘s perspective, there are several advantages to cashing checks on weekends at Walmart rather than a bank:
Convenience
4,700+ locations open weekends vs. limited bank branch hours
Cash checks anytime between 8am – 8pm on Saturday
No need to schedule appointments or wait for banks to open
Faster Access to Funds
Checks cashed immediately on weekends
Bank deposits can take 1-5 days to clear before funds available
Avoid Delays
Cashing checks at Walmart gets money in hand same day
Depositing in a bank account risks checks bouncing or delays in clearing
No Account Required
Anyone can cash checks at Walmart without a bank account
Banks require an account to cash checks drawn from external accounts
Potential Downsides to Weekend Check Cashing at Walmart
There are a few disadvantages to keep in mind when cashing checks on weekends at Walmart compared to a bank:
Higher Fees – Walmart charges up to $8 per check vs free at many banks with an account
Cash Risk – Carrying large amounts of cash creates safety concerns vs deposits
Limited Recourse – Banks provide better fraud protection and ability to investigate issues
ID Requirements – Banks have more flexibility on identification needed compared to Walmart
For very large checks, it may be preferable to open a free business checking account and deposit directly, even if funds take longer to clear.
Walmart Check Cashing Fees and Limits:
| Check Amount | Fee |
|---|---|
| Up to $1000 | $4 |
| $1001 – $5000 | $8 |
The maximum check cashing limit per transaction at Walmart on weekends is $5,000 ($7,500 from January to April).
Always call ahead if cashing larger dollar checks since some locations have lower max limits.
How Walmart Compares to Other Weekend Check Cashing Options
Walmart is not your only option for cashing checks on the weekend. Here‘s how it stacks up against other major retailers:
| Store | Fee | Max Limit |
|---|---|---|
| Walmart | $4-$8 per check | $5,000 |
| Kroger | $3 per check | $5,000 |
| Safeway | $5 per check | $2,500 |
| Kmart | $1 per check | $500 |
| Publix | $5 per check | $7,500 |
In general, grocery stores like Kroger and Publix offer the next best check cashing services with fees and limits similar to Walmart. Convenience stores like Kmart tend to have lower maximums per check.
Should You Cash Checks at Walmart on Weekends?
For ecommerce sellers and small businesses, having quick access to check funds on weekends can be extremely beneficial for covering urgent payments and replenishing inventory.
Walmart provides a widely accessible option for cashing most types of checks on Saturdays and Sundays across over 4,700 US locations. While fees are higher and cash risks exist, the convenience and faster access to money make it an attractive alternative to traditional banks.
Just be sure to check local store weekend hours and bring valid photo ID. Calling ahead is also wise if cashing larger dollar checks. With a few prudent precautions, Walmart‘s weekend check cashing can be a game-changer for managing cash flow!
