Does Walmart Cash Checks on Saturday and Sunday?

Have you ever wanted to get supplies at Walmart but wondered if the retail store cashes checks on Saturday and Sunday? Here is the complete guide on Walmart’s check policies and relevant information on how to cash your check on Saturday and Sunday.

Walmart is one of the largest retail stores in the United Stores, with customers preferring the store’s financial services that offer efficient payment options like check cashing facilities. The check-cashing facilities are an efficient payment option for customers requiring immediate access, especially on the weekends. This article aims to explore whether Walmart cashes checks on Saturdays and Sundays.

Table Of Contents

Does Walmart Cash Checks on Sunday?

Yes, Walmart does offer its customers check cashing services during the weekends. The check cashing services are available as long as the retail stores remain open to the public. In other words, you can cash your check at any of Walmart’s stores on Saturday between 8 AM to 8 PM and Sunday between 10 AM to 6 PM.

Importance of Check Cashing Services

It is essential to cover the benefits of check cashing services compared to other payment methods before understanding Walmart’s check cashing policy. Below are a few benefits of using check cashing services compared to other forms of payment.

Financial Inclusion: Check cashing services bridges the gap for the unbanked/underbanked population, thus ensuring access to “basic” financial services and participation in economic activities that require cash transactions.
Financial Accessibility: Check cashing services provide a convenient and accessible way for individuals to convert their checks into immediate funds, especially for persons who do not have a traditional bank account or face challenges in accessing banking services.
Convenience and Flexibility: Check cashing services are often available at various locations, including retail stores like Walmart, offering extended operating hours and flexibility for individuals to cash checks at a time and place that suits their schedule.
Avoiding High Bank Fees: For individuals who do not have a bank account or prefer not to use one, check cashing services can help them avoid high bank fees associated with opening an account, maintaining a minimum balance, or incurring overdraft charges.
Immediate Funds Availability: Check cashing services allow individuals to receive their funds instantly without waiting for a check to clear or go through a lengthy banking process.

Overview of Walmart's Financial Services

Walmart has a comprehensive financial system that is inclusive and efficient to its customers. Walmart provides convenient check-cashing services, allowing customers to convert their checks into cash. The retail store accepts different types of checks like payroll, government, and tax refund checks.

Walmart offers flexibility and accessibility for individuals needing immediate funds by offering customers extended operating hours when cashing checks. You can also expect to access money transfers, bill payments, prepaid debit cards, and other money services at Walmart.

Walmart's Check Cashing Policy

You can get a detailed copy of the check cashing policy on the Walmart official website. Walmart's check-cashing policy webpage is straightforward because it generally revolves around the requirements and restrictions guiding the process. You can get a summary of the check cashing policy in the section below.

Restrictions and Requirements for Check Cashing

Below are the requirements and restrictions affecting check cashing at any of Walmart’s retail stores.

1. Check Cashing Requirements

Customers need to meet specific requirements to cash a check at Walmart. The requirements for using the cash checking system requires the following:

You should have a valid identification, like a driver's license, passport, or military ID. The identification document must have a photo ID to identify yourself at any of Walmart’s stores.
The check should be a personal, payroll, government, tax refund, cashier’s, Canadian, insurance settlement, retirement account disbursement, or 401(k) check.

By adhering to the above requirements, customers can easily access their funds through Walmart's check-cashing services.

2. Check Cashing Restrictions

Walmart has certain restrictions in place for check cashing services. There are limits on the maximum amount that anyone can cash at a Walmart retail store, which may vary by state and location. Walmart also charges a nominal fee for their check cashing services. However, it is essential to note that Walmart’s check cashing services are not operational 24/7, with the retail store offering fewer hours during the weekends.

How Can You Cash a Check at Walmart?

Cashing a check at Walmart is easy because it requires you to present yourself at any of Walmart’s retail stores with the prerequisite documentation. You can walk up to a cashier at the checkout counter or staff with your valid check and identification documentation and ask for the check cashing services. However, you can only get help when the retail store is open, so ensure to visit the retail store during work hours.

Fees for Cashing a Check At Walmart On the Weekend?

The fees for cashing a check at Walmart during the weekend are not any different from the fees for cashing it during the weekday. The information on Walmart’s official webpage provides that the store will charge you a $4 fee for cashing a check valued up to $1,000.

The store charges a standard fee of $8 for checks valued between $1,001 to $5,000. You can check with the Walmart customer service department for fee charges on cashing checks above $5,000. Walmart’s financial services also include two-party personal checks.

However, the store also accepts two-party personal checks for up to $200, with a fee of $6 for cashing such checks. You can also cash your check and load all/part of the amount to your Walmart MoneyCard. The charge for loading money to your Walmart Money Card is usually $3, but Walmart waives the loading charges in such cases, with the checking fee still being applicable.

Limit For Cashing A Check At Walmart

The information on the official Walmart website indicates that the store has a maximum check cashing limit of $5,000. However, the $5,000 check cashing limit has been applicable since 2018, but the retail store adjusts the limit to $7,500 between January to April of each year.

Alternatives to Walmart for Check Cashing on Weekends

Walmart is one of the top retailers with check cashing services on weekends, but other retail stores have similar financial services. Below are the alternatives to Walmart’s check cashing on the weekends.

Kroger
Publix
Safeway
7-Eleven
CVS Pharmacy
Giant Food
Walgreens
Food Lion
Rite Aid
Fred Meyer
Ace Cash Express
Money Mart
Wegmans
Hannaford
Baker’s
Stop and Shop
Ralphs
Market Basket
SuperValu
Ingles

Factors to Consider When Choosing an Alternative Check Cashing Service

The above list of alternative check cashing options is in no particular order, and the best alternative for you will depend on several factors. Below are the factors to consider when choosing an alternative check cashing service.

Fees: Compare the charges from the different providers to ensure you get the best deal.
Operating Hours: Check if the service is available during convenient hours, including weekends and evenings.
Reputation and Security: Research the service provider's reputation and security measures to ensure the safety of your personal information and funds.
Convenience: Assess the location and accessibility of the service provider to make the process hassle-free.

Conclusion

Despite having numerous alternatives, Walmart remains a reliable check cashing service because of its efficient services, affordable fees, and friendly customer care staff.