Walmart is one of the largest retailers in the world, with thousands of stores across the United States. It accepts various payment methods, including credit cards, debit cards, cash, and checks.
However, when it comes to using checks, many people have doubts about their check policy, especially if they can use endorsed checks or not.
What are Endorsed Checks?
Endorsed checks are checks that have been signed by the payee and then signed by someone else, who is known as the endorser. The endorser can be the payee’s spouse, friend, or relative.
Endorsing a check makes it transferable, meaning that the endorser can transfer the check to someone else or deposit it into their account.
Walmart’s Check Policy
Walmart has a check policy that outlines the types of checks they accept, the check cashing fees, the check cashing limits, and the hours they cash checks.
Walmart’s check policy is designed to protect its customers from check fraud and ensure that they provide a safe and secure way to cash checks.
What Types of Checks does Walmart Accept?
Walmart accepts various types of checks, including payroll checks, government checks, tax refund checks, insurance settlement checks, cashier’s checks, and money orders.
However, Walmart does not accept personal checks, checks written for more than the purchase amount, or checks that are more than 180 days old.
Can You Use Endorsed Checks at Walmart?
Yes, Walmart accepts endorsed checks, but only if the check is written to you and you have a valid photo ID. Walmart also requires that you endorse the check in the presence of their cashier.
However, Walmart does not accept third-party checks, which are checks that have been signed over to someone else.
What to Do If Your Endorsed Check is Not Accepted at Walmart?
If your endorsed check is not accepted at Walmart, you can try to cash it at the bank that issued the check. You can also try to deposit the check into your bank account or use it to pay bills.
How to Write a Check to Walmart?
If you want to write a check to Walmart, you need to follow these steps:
- Write the current date on the date line.
- Write “Walmart” on the “Pay to the Order Of” line.
- Write the purchase amount in numbers on the “Amount” line.
- Write the purchase amount in words on the “Amount” line.
- Write any additional information or instructions in the memo line.
Remember to always double-check the information on the check before using it for payment.”
How to Cash a Check at Walmart?
If you want to cash a check at Walmart, you need to follow these steps:
- Endorse the check in the presence of a Walmart cashier.
- Present a valid photo ID.
- Pay the check cashing fee.
- Receive your cash.
Walmart Check Cashing Fees
Walmart charges a check cashing fee, which varies depending on the type of check and the amount. The fees are as follows:
- Payroll checks and government checks up to $1,000: $4
- Payroll checks and government checks over $1,000 up to $5,000: $8
- All other checks up to $1,000: $4
- All other checks over $1,000 up to $5,000: $8
Walmart may charge an additional fee for checks that are returned unpaid.
Walmart Check Cashing Limits
Walmart has check cashing limits, which vary depending on the type of check and the store location. The limits are as follows:
- Payroll checks and government checks: up to $5,000
- All other checks: up to $200
Some Walmart stores may have lower limits, so it’s best to check with your local store before attempting to cash a check.
Walmart Check Cashing Hours
Walmart check cashing hours vary depending on the store location. Most Walmart stores offer check cashing services during regular store hours, but some stores may have limited hours or only offer check cashing services at certain times of the day.
It’s best to check with your local store for their check cashing hours.
FAQs
Can I use endorsed checks to pay for my purchases at Walmart?
No, Walmart does not accept endorsed checks for purchases. You can only use endorsed checks to cash them at Walmart.
Does Walmart accept personal checks?
No, Walmart does not accept personal checks.
Can I cash a check at Walmart without a photo ID?
No, Walmart requires a valid photo ID to cash a check.
What is the maximum amount I can cash at Walmart?
The maximum amount you can cash at Walmart depends on the type of check and the store location. Payroll checks and government checks can be cashed up to $5,000, while all other checks can be cashed up to $200.
How much does Walmart charge to cash a check?
Walmart charges a check cashing fee, which varies depending on the type of check and the amount. The fees range from $4 to $8.”
Conclusion
In conclusion, Walmart accepts various types of checks, including endorsed checks, as long as they are written to you and you have a valid photo ID. Walmart’s check cashing policy is designed to protect its customers from check fraud and ensure a safe and secure way to cash checks. Remember to always double-check the information on the check before using it for paymen.
