In many cases, it is necessary to cash a check, but you notice that your ID is not with you or the validation has expired. Such cases are more common than you think, so the corner or convenience stores have an alternative to ID for check cashing. One of the most popular stores, Walmart checks Cashing without ID. You will find Walmart in almost every state, which accepts many government-issued IDs. This article will dive further into the types of checks Walmart cashes, alternatives for an ID, and much more.
How To Cash Check at Walmart?
Cash checking is straightforward and does not require much to go through it. Walmart makes the process easier for you to cash checks from their stores, as it is a very common convenience store. You do not have to open any sort of account or register to cash a check. You also do not have to purchase anything from store to cash a check, but you might as well get stuff from your shopping list while you are at Walmart, as they have a variety of stuff.
- All you need is a valid photo ID, like a driver’s license or a passport, to verify your identity with the finance provider.
- Then, you will have to approve the check by signing it.
- After that, hand over the check along with any type of ID you have to the finance provider, who will give you the money you asked for.
- A fee is applied which depends on the amount of money you are withdrawing.
- The staff at Walmart is very helpful so do not feel shy to ask them any questions you may have about cash checking.
Walmart Checks Cashing Without ID
Walmart is a popular place for people who needs help regarding financial services such as cash checking. You are required to have a valid photo ID for cashing a check at Walmart. IDs are necessary for cash checking as the financial providers need to verify that the check has been written to you and not someone else.
If IDs were not essential, people would have stolen others’ checks and withdrawn the money, which is fraudulency and theft. In such cases, Walmart would be liable for the stolen cash. So, it is best to put out there that you need to have any type of ID for the cash checking to be successful. Any photo ID proof of driver’s license, tribal ID, military ID, US passport, or state ID is valid for cashing a check.
Present the check to the cashier at Walmart’s Money Service center or Customer Service Desk and then show them the valid identification. You are required to pay a specific fee depending on the amount you want to cash out. Walmart store credit card or MasterCard is not required to cash checks. The time to receive the cash is very short as the money is almost always ready to hand over.
How to Cash a Check Without an ID?
Cashing a check does not always require valid identification, as you can make the transaction without an ID. If you are not at Walmart to cash a check, then you can use a mobile application to cash a check.
- First, you have to download the Ingo App and then merge your bank account. It could be a PayPal account or prepaid card, so you have to scan the check.
- Then, fill out the information they ask for and the amount of money you want to transact.
- In most cases, the money does not take a lot of time for processing, but it also heavily depends on the type of app you are using.
- In some cases, the procedure might take up to some days-time or could be done within just a matter of hours.
- One of the most famous apps for cash checking is Ingo Money, and it takes just a minute to process the check. Some of the other well-known apps for cash checking are Brink’s Money Prepaid and Lodefast Check Cashing.
One of the other ways to cash a check is by signing the check over to a person you trust. This way, a third-party check is formed, and the person will have to cash it. However, the original payee has to show an ID, as the banks will verify if the original payee has provided authorization to sign the check. Otherwise, you can just take your check to the nearest Walmart and provide them with any form of ID for fast and easy cashout.
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Type of Checks to Cash at Walmart and Ones They Reject
Walmart accepts checks of various kinds, but they are also very cautious about the ones to approve as there is always a possibility of check fraud. It is also important to remember that Walmart does not accept personal checks. They will cash pre-printed checks where someone does not write the check. Here is a list of all the kinds of checks that Walmart cashes:
- Government-issued checks
- Insurance settlement checks
- Payroll checks
- Tax-refund checks
- 401 retirement disbursement checks
- Cashiers’ checks
- MoneyGram money orders issued from a Walmart store
Whichever check you want to cash, just make sure you have your ID or any government-issued ID to eliminate the chances of fraudulency.
Checks Which Walmart Does Not Cash
Walmart cashes many types of checks, but some of them are on their no-entry list. These are the types of checks that Walmart will not cash:
- Personal checks
- Checks dated more than 180 days before
- Checks with multiple payees
- Handwritten checks
- Post-dated checks
- MoneyGram money orders not issued at Walmart
- Non-MoneyGram money orders
How Many Charges are Required to Cash a Check at Walmart?
Whether you cash a check with or without ID, a certain fee must be based on the amount of withdrawal to be paid. For checks up to or under $1000, the maximum charge you need to pay is only $4. Checks over $1000 will have a maximum fee of $8. Walmart also allows two-party checks for cashing out, and two-party checks of up to $200 will come with a maximum fee of $6. Moreover, previously, Walmart had a check cashing limit of $5,000 per check. Still, recently, they have extended the limit to $7,500 per check.
Cash checking is an easy and efficient way to take out cash whenever needed. Moreover, Walmart is a huge store with many outlets in different states, making it even more convenient to provide check cashing facilities. However, you may not have your ID with you during the cash checking process for whatever reason, but Walmart checks cash without ID.
So you do not have to worry about it. Walmart accepts many types of ID and checks, which are a go-to place for many people who needs financial assistance and also has to grocery shop. This article provides information on Walmart checks Cashing without ID.
Frequently Asked Question (FAQ)
Which people cash checks without an ID?
People who have lost their IDs or whose ID has lost validity just some days back and need to cash checks urgently are usually the ones who cash checks without IDs.
Is cash checking without ID hassle-free?
Not having an ID with you will be very difficult for you when you have to go through certain situations where the verification of your identity is required. So, the process will not be easy.
What is the most common form of ID found in Americans?
Still, through research, it is found that more than 3 million Americans do not have a government-issued photo ID, but instead, most of them have a driver’s license as a type of ID.
Can I cash a check using an expired ID at Walmart?
For cash checking, no place will accept an expired ID even though it belongs to the right person and all the other information is correct.
Will a student ID work to cash a check in Walmart?
Student IDs can be easily made outside the institutions, making them fake. For this reason, Walmart or any other cash-checking place does not accept student IDs, and it has to be a government-issued ID for cash checking.
With over 3 years of financial experience, Hannah Edwards is the senior writer for All Finance Deals. She recommends research-based financial information about Transfer Money, Gift Cards and Banking. Hannah also completed graduation in Accounting from Harvard University.