Can Walmart Cash Damaged Checks? Understanding Walmart’s Check Cashing Policy

Every day, thousands of people turn to Walmart for their check cashing needs, drawn by the convenience and reliability of its financial services. But what happens when you have a check that’s not in perfect condition? This article delves into Walmart’s policies on cashing damaged checks, offering you clear insights and practical advice.

Overview of Walmart’s Check Cashing Services

Walmart’s financial centers and customer service desks offer a range of services, including check cashing. This service is not only convenient but also accessible, with extended hours and locations nationwide. Generally, Walmart cashes payroll checks, government checks, tax checks, and MoneyGram money orders purchased at Walmart.

For more information about cashing checks at Walmart, click here.

Can Walmart Cash a Damaged Check?

A damaged check can be anything from a slight tear to a faded print. Walmart’s primary concern is the check’s readability and security. As per their policy, checks need to be in a condition that allows all essential details to be verified. This includes the check date, payer and payee information, amount, and signature, as well as the MICR line at the bottom. If a check’s critical information is obscured or doubtful due to damage, Walmart may decline to cash it.

Criteria for Check Acceptance at Walmart

For a check to be cashed at Walmart, it must meet certain criteria:

  1. Readability: All printed information must be legible.
  2. Integrity: The check should not have significant tears or alterations.
  3. Verification: The MICR line (the numbers at the bottom of the check) must be intact for electronic processing.

Alternatives for Cashing Damaged Checks

If Walmart cannot cash your damaged check, consider these alternatives:

  • Bank Visit: Your bank might accept the check, especially if your account history is good.
  • Mobile Deposit: Some banks’ mobile apps allow you to deposit checks digitally.
  • Check Issuer: Contact the issuer for a replacement check.

Tips for Handling Checks Carefully

To avoid the hassle of a damaged check, follow these tips

  • Keep checks in a dry, secure place.
  • Avoid folding or crumpling checks.
  • Use a sturdy envelope for mailing checks.


  • What are Walmart’s fees for check cashing? Fees vary by location and check amount.
  • What identification is needed to cash a check at Walmart? Generally, a government-issued photo ID is required.
  • Is there a limit to the check amount Walmart will cash? Yes, limits can vary, so check with your local store.


Understanding Walmart’s check cashing policies can save you time and inconvenience. While Walmart offers a convenient service for cashing checks, it’s important to ensure your checks are in good condition to avoid any issues.