Does Walmart Cash Third Party Checks In 2022? [Full Guide]

Walmart does not generally cash third-party checks. However, the retailer offers check cashing services which are easily accessible and convenient.

Does Walmart Cash Third Party Checks In 2022?

Walmart does not cash third-party checks in 2022 because of the increased risk of fraud that these checks carry. Instead, Walmart customers can get a third-party check cashed through a bank or credit union. Note that you will have to pay fees and present a valid photo ID.

Why Does Walmart Not Cash Third Party Checks?

Third-party checks are different from standard checks in that the original recipient nominates a second recipient who will receive the cash or deposit the amount in the check.

This is done by the first recipient writing down the name of the second recipient and getting their signature.

However, the chances of fraud with these kinds of checks go up significantly once the check changes hands more than once.

Often, check-cashing services accept these checks only to find out later that the check had not reached the final intended recipient.

Therefore, Walmart does not accept third-party checks at any of its stores. It only accepts two-party checks.

Where Else Can You Get Third Party Checks Cashed?

You can get a third-party check cashed at most local banks, credit unions, and check-cashing companies. However, the best option is to head over to the bank that the check has been drawn on.

Here is a list of all the banks and credits you can visit to get a third-party check cashed:

  • Bank of America
  • Citibank
  • Chase Bank
  • Navy Federal Credit Union
  • Chartway Federal Credit Union
  • HSBC
  • SunTrust Bank
  • BB&T
  • TD Bank
  • M&T Bank
  • First National Bank
  • S. Bank
  • Connexus Credit Union

You can also get a third-party check cashed at the following check cashing stores:

  • ACE Cash Express
  • Advance Financial
  • Check ‘N Go
  • Speedy Cash
  • The Check Cashing Store

How Can You Cash A Third Party Check?

Because of the high risk of fraud, banks and cashing stores have strict policies regarding the cashing of third-party checks.

This includes the requirement that both recipients be present in person at the bank or cashing store when submitting the check and should have valid government-issued photo IDs.

Without this condition being met, the bank or cashing store will refuse to cash the third-party check.

You can contact the bank or cashing store you are planning to visit in advance to find out about the official policy for cashing third-party checks at that institution.

Do You Have To Pay Any Fees For Cashing Third Party Checks?

Yes, some banks and cashing stores charge a fee for cashing third-party checks, particularly if you do not have an account in the bank the check was drawn on.

The fees vary from bank to bank, and so you can contact the institution to find out the fees it charges.

To learn more, you can also read about what time Walmart stops cashing checks, if Walmart accepts international checks, and if Walmart accepts saving bonds.


Walmart does not cash third-party checks at any of its stores due to the inherent risk of fraud associated with third-party checks.

However, you can get third-party checks cashed at banks, credit unions, and cashing stores such as Bank of America and ACE Cash Express. To get the check cashed, you will have to be present with the original payee, pay a fee, and present a valid photo ID.

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