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Does Walmart Accept Checks as a Payment Method?

does walmart accept checks as a payment method

Are you looking for a convenient way to pay for groceries and other products?

 If you prefer to pay by check, finding stores that accept this payment method can be a challenge. The last thing you want is to get to the cash register and find that your check is rejected.

Walmart is one of the most popular supermarket chains. In addition to great deals and discounts, the company is known for accepting a wide range of payment methods. 

So, let’s find out, does Walmart accept checks as a payment method?’

About Paying by Check At Walmart 

Getting straight to the answer, yes, Walmart does accept checks as a payment method. This is a valid way of paying for goods in all of the company’s stores throughout the United States. All you need to do is present your check to the cashier after they have scanned the products you want to buy. The transaction is usually very quick and easy and should go without a hitch. 

However, there are certain restrictions that you need to be aware of. In some cases, your request to pay by check may be denied. Therefore, it is a good idea to carry another option so that you can still pay for your shopping. 


There is no limit on the number of checks you can use to pay for products at Walmart. You can also visit several different stores on the same day and pay by check. However, it should be noted that the company does not currently accept Starter Checks.

Your bank may set a daily spending allowance on your account. If you try to exceed this limit, your check may be rejected. Therefore, you need to know if you have a daily spending limit in place and what the limit is.

Not accepted at self-checkouts

You can only pay by check at regular cash registers. This is not a payment option at self-checkouts because they have to be verified. Checks have to be in U.S Dollars and linked to a banking provider in the United States. 

Receiving cash back

When paying, you can also request a little cash at the same time if paying by personal check. The maximum amount you can request is $20. You have to add the amount you want to receive as cash back to the total before handing it over.

It is a good idea to make sure the cashier has the right amount of cash available in advance. This is sure to save you a lot of time and trouble in the long run. 

The fee

You will not usually be charged a fee for using this payment method. The main exception is if you do not have sufficient funds in your bank account to cover the transaction. In this case, you will be charged an extra $35 as a penalty. 

The Requirements

Before choosing to pay by check at Walmart, you need to make sure you meet the requirements. If you don’t have another option, you will be forced to leave the store without your shopping. 

The Requirements


You need to provide a form of government-issued, valid photo ID. . The cashier may also ask you for your phone number. In some cases, a member of staff may seek approval from the store manager before accepting ID. 

The following forms of ID are accepted:

  • U.S. passports
  • Foreign passports
  • Driver’s licenses
  • State ID cards
  • Military IDs

Your name

Your check will only be accepted if your name is on it. This measure is put in place to help prevent fraud. The name on the check has to match the name on your ID exactly. 

This means that it is not possible to pay by check made out to someone else. Exceptions may be made at the discretion of the store manager for personal checks. However, these are unlikely to be made for business checks. 

Third-party verification 

Stores use either Certegy or TeleCheck to scan your check and assess risk. In some cases, your check may be denied by the third-party verification system. If this happens, you will have to use another payment method. 

Cashing Checks

You can also cash checks at your local Walmart store. The process is designed to be as quick and easy as possible. Lines are usually much shorter than in banks, and you can do a little shopping simultaneously.

Cashing Checks

The following types of checks can be cashed:

  • Payroll
  • Pre-printed  
  • Cashier’s
  • Government and tax 
  • Insurance settlement 
  • MoneyGram money orders 
  • Two-party personal checks

It should be noted that a cashing limit is usually enforced in the state you live in. This limit varies in different parts of the United States. You will also be charged a standard cashing fee of $3.74 for each transaction.

Need Additional Info About Checks?

No problem! You might also want to know Does Walmart Cash Personal Checks and Does Walmart Cash Handwritten Checks, as well as Does Walmart Cash Checks On Saturday And Sunday, and What Time Does Walmart Stop Cashing Checks?

When it comes to paying, and you’re low on cash, you’ll need to know Does Walmart Have ATMs? Although, if you prefer cashless payments, then take a look at Does Walmart Take Apple Pay, or perhaps you need to know Does Walmart Accept Afterpay Buy Now Pay LaterDoes Walmart Have Layaway, and what are the OTC Card Eligible Items at Walmart in 2023?

A gift card is a perfect present! So, you might want to find out Does Walmart Sell Amazon Gift Cards, or can you buy Gift Cards At Walmart, along with Does Sams Club Take Walmart Gift Card or How To Activate A Walmart Visa Gift Card, and the steps to take.

Final Thoughts

Checks are an accepted payment method at all Walmart locations throughout the United States. This is a fairly quick and easy way of paying at a cash register, and you can also request up to $20 cashback.

Using this payment method is a handy option if you don’t want to go to an ATM. However, you need to make sure that you meet the requirements. But remember that checks are not accepted online or at self-checkout.

Happy Shopping at your local Walmart!

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