Does Walmart Cash Out Of State Checks In 2023? (Complete Guide)
If you sell online or have suppliers and customers located out-of-state, you may be wondering: can you cash checks at Walmart drawn on banks in other states?
The good news is yes – Walmart does cash personal and payroll checks from out-of-state banks all across the country! As an ecommerce seller, having a convenient way to turn non-local checks into cash on hand can be extremely useful for sourcing inventory and managing your business.
In this detailed guide, I’ll explain everything you need to know as a seller about cashing out-of-state checks at Walmart in 2023.
Overview of Cashing Non-Local Checks at Walmart
Walmart offers check cashing services at MoneyCenter counters in most of its 5,000+ US store locations. This provides a reliable way for customers and sellers alike to cash checks when traveling or when getting payments from other states.
The process works just like cashing a local check:
- You bring the out-of-state check and a valid government-issued photo ID to the MoneyCenter desk
- The associate verifies the payee name matches your ID
- The check is approved through TeleCheck or Certegy electronic verification systems
- Walmart deducts their standard check cashing fee
- You receive the remaining cash balance immediately in most cases
It’s a straightforward process that only requires a proper form of identification. Next, let’s look at the typical fees and limits when cashing checks at Walmart.
Check Cashing Fees and Limits at Walmart
Walmart charges a flat fee for cashing checks based on the check amount:
- $4 fee for checks up to $1,000
- $8 fee for checks from $1,001 to $5,000
| Check Amount | Fee |
|---|---|
| Up to $1,000 | $4 |
| $1,001 – $5,000 | $8 |
Higher fees may apply from January to April when maximum check amounts increase to $7,500 at many Walmart locations.
You can cash up to 3 checks per day at Walmart, which is the limit imposed by state check cashing laws. I recommend calling your local MoneyCenter directly to verify their specific fees and limits.
What Types of Checks Can You Cash at Walmart?
Walmart cashes a wide variety of checks including:
- Payroll
- Tax refund
- Cashier’s
- Insurance settlement
- 401(k) and retirement distribution
- Pre-printed personal checks (from banks/credit unions)
- MoneyGram money orders
- Certain two-party personal checks
They typically don’t accept handwritten or temporary checks due to fraud risks.
Expert Tips for Cashing Out-Of-State Checks
As an ecommerce seller, having a smooth check cashing experience is important when you need funds to buy inventory or manage operations. Here are my top tips:
- Contact the MoneyCenter ahead of time to confirm they cash out-of-state checks and verify their fees, limits and policies.
- Make sure the check is pre-printed with complete routing and account numbers – this avoids rejection.
- Endorse the check payable to you by signing the back prior to going to Walmart.
- Bring a valid government-issued photo ID like a driver’s license or passport which is required.
- Expect immediate cash after verification, minus Walmart’s check cashing fee.
- Save the receipt to document the check details and fees paid.
Following these best practices will help ensure you can cash out-of-state checks at Walmart with no issues.
Why Checks Get Rejected During Verification
Walmart uses TeleCheck or Certegy systems to electronically verify checks. Here are some top reasons an out-of-state check may fail:
- Invalid routing or account numbers – This could indicate a fake check or account closure.
- Printing errors that prevent scanning like blurry logos or numbers.
- Damaged check paper such as tears, missing corners, or faded ink.
- Name mismatch between your ID and the check payee name.
Being aware of potential verification issues allows you to inspect checks beforehand to maximize approval odds.
Walmart Check Cashing vs. Other Retailers
In addition to Walmart, many major retailers like grocery and drug stores offer check cashing:
| Retailer | Fee |
|---|---|
| Walmart | $4 (up to $1,000) $8 ($1,001-$5,000) |
| Kroger | $6 (up to $1,000) |
| CVS | 2% of check amount (min $3, max $5) |
| Walgreens | 1.5% of check amount |
| Rite Aid | 1.99% of check amount |
Walmart’s flat fees and immediate payout in cash make it a convenient option. But alternatives like Kroger and CVS give you flexibility if needed.
The Bottom Line – Cash Out-Of-State Checks at Walmart
As an ecommerce seller, having quick access to check funds enables you to sustain and grow your business by paying suppliers and covering operating costs.
The good news is Walmart provides a reliable way to cash personal and business checks from out-of-state banks with proper ID. Following the expert tips in this guide will set you up for a smooth check cashing experience. And the cash payout means you can immediately use the money for important financial needs.
Let me know if you have any other questions! I’m always happy to share my knowledge and experience on business financial services.
