Can You Get a Walmart Cashier’s Check? Here’s What To Know
Written by
John Csiszar
Edited by
Elizabeth Constantineau
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Walmart offers one-stop shopping for groceries, household goods, prescription medications and financial services. Some of the services that they offer are money orders, prepaid debit cards and bill payment options. The Money Center does not issue Walmart cashier’s checks. Here’s a guide on the financial products Walmart offers and other ways you can get a cashier’s check.
Can I Get a Cashier’s Check at Walmart?
You cannot get a Walmart cashier’s check, although Walmart offers several other financial services. You can cash your payroll and government checks, get money orders, print checks and transfer money.
What Is a Cashier’s Check?
A cashier’s check is a secure way to transfer money. Cashier’s checks are only issued by banks or approved financial institutions. The most important distinction between a personal check and a cashier’s check is that a cashier’s check is backed by an issuing bank’s funds.
Banks only issue cashier’s checks when they have received and verified a deposit of money sufficient to cover the check. Then, the bank will issue the cashier’s check, typically with a fee of around $10.
Cashier’s checks are typically used for large transactions like a down payment on a car.
Key Differences Between Cashier’s Checks, Personal Checks and Money Orders
| Feature | Cashier’s Checks | Personal Checks | Money Orders |
|---|---|---|---|
| Guaranteed Funds | Yes, by the bank | No | Yes, prepaid by the purchaser |
| Issuer | Bank or credit union | Account holder | Bank, post office, retailer |
| Cost | $10 – $20 | Free or included with account | $1 – $5 |
| Maximum Amount | No limit | No limit | Up to $1,000 |
Walmart Money Center Products and Services
Walmart is not a bank and cannot issue a cashier’s check. A Walmart Money Center, however, can perform various financial transactions on behalf of customers.
Financial Products and Services Offered by Walmart
- Money transfers
- Walmart MoneyCard
- Check printing
- Bill pay
- Money orders
- Rapid reload
- Coinstar
- Check cashing
- Tax preparation services
Walmart doesn’t issue cashier’s checks because these checks are typically issued by a bank or credit union providing that the funds are guaranteed. Although you can’t specifically get a Walmart cashier’s check, many of these other Walmart services are efficient means of transferring money to others.
Walmart Check-Cashing Services
Even though you can’t get a cashier’s check at Walmart, you can cash one. In fact, you can cash multiple kinds of checks at Walmart, including the following:
- Payroll checks
- Government checks
- Cashier’s checks
- Tax checks
- 401(k) or other retirement distribution checks
- Insurance settlement checks
- MoneyGram money orders that were purchased at Walmart
Maximum Amount You Can Cash at Walmart
The maximum amount you can cash at a Walmart is $5,000. This limit rises to $7,500 in tax season, which is January through April. You can receive your payment in either cash or on a Walmart MoneyCard.
Fees for Cashing Checks at Walmart
Here are the fees Walmart charges for check cashing:
- Maximum of $4 for preprinted checks up to $1,000.
- Maximum of $8 for preprinted checks between $1,000 and $5,000.
- If you cash a two-party personal check of up to $200, you’ll incur a fee of up to $6.
If the store has a dedicated Money Center, you can process your transactions there; otherwise, you can cash a check at any available customer service desk.
Where Can I Get a Cashier’s Check Instead?
You can get a cashier’s check at a bank or credit union. Banks like Chase, Wells Fargo and Bank of America issue cashier’s checks. You can also get a cashier’s check at a regional bank. Navy Federal Credit Union, Alliant Credit Union and America’s First Credit Union also issue cashier’s checks.
If you prefer to get a cashier’s check online, many of the larger online banks like Ally, SoFi, Discover and Charles Schwab issue online cashier’s checks.
Most banks and credit unions charge between $10 – $20 for cashier’s checks. You need a valid ID, payee information, sufficient funds and the appropriate fees.
Where Can I Cash a Cashier’s Check?
In addition to third-party money services, like the Walmart Money Center, you can typically cash a cashier’s check at any financial institution, including banks and credit unions. As with the Walmart Money Center, you’ll need to provide identifying information to prove that you’re the correct person cashing the check.
Factors That Affect Cashing a Cashier’s Check
There are several factors that may affect cashing a cashier’s check. Those factors are as follows:
- Identification. You must have government-issued identification — driver’s license or passport.
- Bank account status. It is easier to cash your cashier’s check when you have a banking relationship. Non-account holders may face fees.
- Large amounts. Cashier’s checks in large amounts may trigger holds and additional security.
- Fraud concerns. A bank may delay cashing a check if there are fraud concerns.
When To Get a Cashier’s Check vs. a Money Order
In many ways, a cashier’s check acts like a money order — it’s a bank draft promising payment in full for a specific amount. Cashier’s checks are generally considered more secure, however, because they’re only offered by accredited financial institutions like banks. Cashier’s checks are often used for high dollar-value transactions, as the limit on a money order is typically $1,000.
Key Differences Between Cashier’s Checks and Money Orders
| Feature | Cashier’s Checks | Money Orders |
|---|---|---|
| Issuer | Banks or credit unions | Banks, credit unions, post offices, retail stores |
| Guarantee | Guaranteed by the issuing bank’s funds | Prepaid by the purchaser |
| Maximum Limit | No limit — varies by bank | Typically up to $1,000 per money order |
| Cost | $10 – $20 | $1 – $5 |
| Acceptance | Widely accepted for large or formal transactions | Accepted for smaller, informal transactions |
| Usage | Large purchases (e.g., cars, real estate) | Small payments (e.g., rent, personal payments) |
| Bank Account Required | Yes, usually for the purchaser | No |
| Security Level | Very secure, less prone to fraud | Secure, but slightly more susceptible to fraud |
| Refund/Replacement | Easier to replace if lost or stolen, with proof | Replacement may take longer and involve fees |
| Processing Time | Immediate upon issuance | Immediate upon issuance |
Alternatives To Cashier’s Checks and Money Orders
There are alternatives to cashier’s checks and money orders. Some of those options include cashier’s check, prepaid debit cards and digital payment options.
- Certified checks. It is a personal check that has been verified and guaranteed by the issuing bank. The bank confirms that the account holder has sufficient funds to cover the check. The funds are set aside until the check is cashed or deposited.
- Prepaid debit cards. Prepaid debit cards have funds that are loaded onto the card. No bank account is required and these debit cards are widely accepted as a form of payment.
- Digital payment options. You can use apps like Zelle and Venmo to pay for transactions. Retailers that accept digital wallet options like Google and Apple Pay are also options.
FAQ
Here are the answers to some of the most frequently asked questions about Walmart cashier's check and services.- Does Walmart do cashier's checks?
- Walmart does not issue cashier's checks. However, they do cash cashier's checks.
- How much is a cashier's check at Walmart?
- Walmart does not issue cashier's checks.
- Are money orders from Walmart as safe as cashier's checks?
- Money orders can be a secure way of making a payment, but they are not as safe as cashier's checks. Money orders are more prone to counterfeiting than cashier's checks.
- How much does Walmart charge for money services?
- Fees vary depending on the service, but generally run between $1 - $20.
Rudri Patel contributed to the reporting for this article.
Information is accurate as of Feb. 3, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
