Handwritten checks are easier to write as compared to electronically written checks, but many institutions prefer not to accept these for processing.
Since Walmart has money centers all over the country, you may be wondering: does Walmart cash handwritten checks? Here is what I’ve found out through my research!
Key Takeaways
Does Walmart Cash Handwritten Checks In 2021?
Walmart does cash handwritten checks that have been signed by hand at most store locations as of 2022. However, Walmart will only cash check if it has been printed and has the name of the company, telephone number, address, date issues, and the amount of the check (both alphabetically and numerically).
If you want to know more about cashing handwritten checks, other stores you can go to cash them, and the fees you have to pay for it, keep on reading!
Why Do Some Walmart Not Cash Handwritten Checks?
Walmart does not cash handwritten checks (even from business accounts) because these have a higher risk of being stolen or there being insufficient funds in the account.
This makes Walmart vulnerable to significant losses. Therefore, it simply avoids taking any of this risk and has put in place a policy to only accept pre-printed (electronically printed) checks.
However, not all Walmart stores decline handwritten checks as this can vary by state and location.
To be sure before visiting, you can use the Walmart store finder to inquire before going to Walmart.
Where Else Can You Cash Handwritten Checks?
Even though Walmart does not accept handwritten checks at some locations, many banks, credit unions, check cashing stores, and even retail chains provide check-cashing services.
If you have an account in a bank, you should head over to its local branch, where you will be able to cash the handwritten check (or have the amount deposited into your account).
Alternatively, you could even visit the issuing bank of the check (which will also cash the check).
Here is a list of banks and credit unions that will cash a handwritten check:
- Chase Bank
- Wells Fargo
- Bank of America
- Regions Bank
- HSBC
- Bank of the West
- First National Bank
- PNC Bank
- Navy Federal Credit Union
- Chartway Federal Credit Union
You can also visit any of the following check-cashing stores to get your handwritten check cashed (for a fee):
- Check Into Cash
- Mr. Payroll
- ACE Cash Express
- PLS Check Cashing
- Money Mart
- United Check Cashing
- Speedy Cash
When visiting any of these stores, banks, or credit unions, it is best to first contact them in advance and ask them about the requirements for cashing a handwritten check and the fees they charge.
How Are Handwritten Checks Cashed?
To cash a handwritten check, you should visit any of the stores, banks, or credit unions listed above with a valid government-issued photo ID.
Once your identity has been verified, the institution will process the handwritten check as it would process a normal pre-printed check.
Do You Have To Pay Any Fees To Cash A Handwritten Check?
Yes, most banks will charge you a nominal fee under $10 for cashing a handwritten check, unless you have an account in a particular bank.
Some banks also charge a percentage of the amount in the check ranging between 1% and 3%.
Check-cashing stores will also charge a per-check fee along with a percentage of the total amount. These are generally more expensive than banks and credit unions.
For more information, you can also see Walmart’s policy on cashing Comdata checks, third-party checks, personal checks, and foreign checks.