Walmart Check Policy – How To Cash Checks:

Are you wondering does Walmart accept checks? The answer is yes but be warned they check your funds first so you must have money in your account in order for them to process the payment.

At Walmart, you can pay for your purchases with cash, credit card, debit card, or personal check. While other businesses no longer allow check payments, the retail giant still does and also allows their employees to check paystubs online through their walmart paystub service. Read on to find out about the walmart check policy.

When cashing a check at Walmart, the store may verify the check to ensure that it is legitimate and that the person cashing it is authorized to do so. Walmart’s check verification process typically involves the following steps:

  1. Checking the identification of the person cashing the check to ensure that they are the authorized recipient.
  2. Scanning the check to verify the routing and account numbers, as well as the check amount and date.
  3. Using proprietary algorithms and third-party databases to verify the authenticity of the check and detect potential fraud.
  4. Contacting the issuing bank to confirm that the account has sufficient funds to cover the check.

In some cases, Walmart may also place a hold on the funds for a certain period of time, typically up to two business days, to allow for further verification.

It’s worth noting that Walmart charges a fee for cashing checks, which varies depending on the type and amount of the check. The store also has certain restrictions on the types of checks that it will cash, such as personal checks, payroll checks, government checks, and tax refund checks.

Customers can visit Walmart’s website or speak with a customer service representative in-store for more information on the check cashing process and fees.

Walmart Check Cashing Verification System – How Certegy Works

Walmart uses TeleCheck and Certegy, a third-party check verification system used to validate the check owner’s account for the payment. These two companies are the two top providers of check verification scanners in the USA.

When you pay with a check, the cashier will scan it with a TeleCheck or Certegy machine. The scanner will then transmit your data (routing number, transaction details, current account number, and ID details) to the system which will either approve or deny your payment.

If your account has non-sufficient funds or your ID number doesn’t match the stored data in the system, your check will be declined.

Once validated, the machine will print a receipt that you will sign to authorize the company to electronically transfer the funds from your checking account. When the machine declines the transaction, your check will be returned to you and the cashier will give you a copy of the receipt.

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If your check gets declined even if your account has enough funds call TeleCheck or Certegy (the phone number is on the receipt) to find out why your check did not clear. It could be that your bank account number is not stored in the system.

Go over to TeleCheck’s declined check FAQs, for clarification. If you were declined by Certegy, you can call or find out the reason on the online declined check lookup page.

Why Won’t Walmart Cash My Check?

There could be several reasons why Walmart declined your check. Here are some possible reasons:

  1. Insufficient Funds: If the person or company who wrote the check did not have enough money in their account to cover the amount of the check, Walmart would not be able to cash it.
  2. Non-Verifiable Information: If the information on the check, such as the routing and account numbers or the name and address of the account holder, cannot be verified or is incorrect, Walmart may not be able to cash it.
  3. Stolen or Counterfeit Check: If the check is stolen or counterfeit, Walmart will not be able to cash it.
  4. Check Cashing Limit: Walmart has a limit on the amount of money they will cash for an individual in a given day. If the amount of your check exceeds this limit, they may not be able to cash it.
  5. Previous Check Bouncing: If you have previously cashed a check at Walmart that was returned unpaid or bounced, they may not be willing to cash another check for you.

If your check was declined, it’s important to find out the reason for the decline so you can address the issue and avoid future problems. You may need to contact the issuer of the check or your bank to get more information.

There are many other reasons why you cant cash your check at walmart on any particular occasion. These are usually around verification, here we list out some of the most common reasons for why your check declined at walmart:

Meeting The ID Requirements For Personal Check Payment

Government-issued photo ID. Walmart requires customers paying with a check to present a driver’s license, military ID, Social Security Card, US passport, or military ID.

The customer’s name must match the check’s account name. Walmart will only accept a personal check if the name on the ID and check matches. Make sure to use a check with your name on it, otherwise, it will be rejected.

For business checks, the employee who made the purchase should present a company ID. Your check should pass TeleCheck’s verification. If your check gets denied by the TeleCheck scan, you won’t be able to use it.

Issuing A Postdated Check

This is not possible because electronic processing of a check payment gets completed within a day or two. Walmart only accepts dated checks so the funds can be transmitted not later than the following day.

Check Getting Declined Due To Non-Sufficient Funds (NSF)

According to Walmart’s policy, if your check is returned to lack of funds, a $35 penalty (returned check fee) plus the purchase price will be charged to the account by EFT or bank draft. If you want to pay with a check, make sure to check your account balance before you shop.

Reaching Daily Limit On Number Of Checks

Walmart did not set a limit to the number of checks you can issue per day. However, writing multiple checks within a day can set off the anti-fraud alarm of your bank or credit union and result in the freezing of your account. If you plan to issue 5 or more checks per day, it’s best to give your bank a heads up.

Walmart Returned Check Department

If you have a check from Walmart that has been returned or declined, you can contact the Walmart Returned Check Department for assistance. The department may be able to help you resolve the issue and get the check cleared for payment.

To contact the Walmart Returned Check Department, you can try the following options:

  • Call the customer service number listed on your check or on the back of your Walmart credit card. A customer service representative should be able to provide you with information on how to resolve the issue with your returned check.
  • Visit a Walmart store and speak with a customer service representative in person. They may be able to provide you with information on how to resolve the issue with your returned check.
  • Contact the Walmart Returned Check Department by email or through the online contact form on the Walmart website. You may need to provide your check number and other information to help the department locate and resolve the issue with your returned check.

It’s important to note that the specific process for resolving a returned check may vary depending on the reason for the return and the policies of the issuing bank or financial institution. The Walmart Returned Check Department should be able to provide you with more information on how to proceed.

Cashback When You Pay With A Personal Check

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Yes, you will get a cashback worth $20. Before you pay, inquire about cashback on check payment to make sure that the cashier has enough cash on his register.

Upon confirmation, you will add $20 to your purchase amount. After your check gets scanned and approved, the cashier will give your receipt, $20 cash, and check.

To find out more about Walmart’s cashback policy, read about the Cash Back Limit at Walmart Using Credit Card, Debit Card, and Check.

Frequently Asked Questions

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Below we answer some of the most frequently asked questions about Walmart’s check cashing policy.

Does Walmart Cash Payroll Checks?

Yes, Walmart does cash payroll checks. Many Walmart stores have a Money Center or a customer service desk where you can cash a check, including payroll checks. To cash a check at Walmart, you will need to present a valid government-issued photo ID, such as a driver’s license, state ID, or passport.

There may be limits on the amount of the check that can be cashed and fees may apply. You can check with your local Walmart store for more information on the specific policies and fees for check cashing. It’s also a good idea to call ahead or check the store’s website to confirm that the store offers check cashing services and to find out if there are any special requirements or restrictions in place due to COVID-19 or other circumstances.

Does Walmart Cash 3rd Party Checks?

If it’s a printed check, they may be able to cash it. If they are processing a check by hand, at least one of you will have to stay present with them throughout the cashing process and share Identifications ID cards bearing an image. Otherwise, the check will not be cashed.

The way you cash a third-party check that the original payee endorses, by signing in this section and beneath his signature, is that the person would need to write Pay To the Order of (your name).

Can Walmart Tell If A Check Is Bad?

Walmart will run every check you write through third-party verification. That means Walmart won’t accidentally accept bad checks which would cost them a lot of money, and it keeps fraudsters from cashing phony checks that they created in the first place (which is both dishonest and illegal).

But this doesn’t mean your check for Aunt Millie’s birthday present should automatically get declined just because she lives on her own island off Honduras; there are other companies who do similar work like TeleCheck or Certegy, but these have their own special reasons to deny transactions too.


Personal check payment is a convenient option that Walmart offers to customers. If you are after cashback rewards, it’s better to use a debit or credit card for your purchases because the incentives are higher than the $20 cashback, you’ll get per check payment.

Other retailers accept check payments too, to find out the list of stores and their requirements read our article What Stores Accepts Checks?