Need a cashier’s check but hoping to get one at Walmart? While Walmart offers plenty of financial services—from check cashing to money orders—it does not issue cashier’s checks.
That said, you still have options. This article breaks down what Walmart does offer, where to get a cashier’s check instead, and how much you can expect to pay. Whether you’re making a big purchase or need a secure payment method, here’s what you need to know.
Where to Get a Cashier’s Check
If you need a cashier’s check, your best bet is a bank or credit union. Most will require you to have an account with them.
- Traditional banks and credit unions – Walk into your local branch and request a cashier’s check. The money is pulled directly from your account and guaranteed by the bank. Expect to pay a fee, usually around $8 to $15.
- Online banks – Some online banks, like Ally and Capital One, let you order a cashier’s check through their website or mobile app. They’ll mail it to you or the recipient. Fees are often lower—or free.
- Fintech apps – A few mobile banking apps offer cashier’s checks, but availability is limited. Always confirm the check is drawn from a federally insured bank and accepted by your recipient.
If you don’t have a bank account, you’ll likely need to open one to get a cashier’s check.
What Walmart Offers Instead
Walmart doesn’t issue cashier’s checks, but it does offer a couple of useful alternatives for smaller transactions.
- Money orders – Walmart sells MoneyGram money orders at most locations. They’re a secure way to send money and typically cost less than $1. The maximum limit is usually $1,000 per money order.
- Bill pay services – If you’re paying a bill, you might be able to handle it directly at the Walmart MoneyCenter. This can include utilities, rent, or other service providers. It’s a convenient option if you don’t have a checking account.
Both services are available at the customer service desk or MoneyCenter, and you’ll need to bring cash or a debit card to complete the transaction.
See also: How to Get a Cashier’s Check
Can you cash a cashier’s check at Walmart?
Yes, you can cash a cashier’s check at most Walmart locations. This service is available at the customer service desk or the Walmart MoneyCenter.
Here’s what you need to know:
- Accepted checks – Walmart cashes cashier’s checks, government checks, payroll checks, and more.
- ID required – Bring a valid, government-issued photo ID. Walmart won’t cash your check without it.
- Limits – You can cash checks up to $5,000. From January through April (tax season), the limit increases to $7,500.
- Fees – The fee is typically $4 for checks up to $1,000 and $8 for checks over $1,000.
Funds can be received in cash or loaded onto a Walmart MoneyCard, though a small reload fee may apply unless waived.
See also: Where Can I Cash a Cashier’s Check?
Cashier’s Check vs. Money Order vs. Personal Check
Not sure which payment method to use? Here’s a quick breakdown of how they compare:
| Feature | Cashier’s Check | Money Order | Personal Check |
|---|---|---|---|
| Guaranteed funds | Yes | No | No |
| Maximum limit | Typically $10,000+ | Usually $1,000 | Depends on balance |
| Where to get | Banks, credit unions | Walmart, USPS, CVS | Your own checkbook |
| Common uses | Large purchases | Rent, small payments | Bills, everyday use |
| Security level | High | Medium | Low (can bounce) |
| Typical fee | $8–$15 | Under $1 | Usually free |
Cashier’s checks are best for high-value payments where guaranteed funds are required. Money orders work well for smaller transactions. Personal checks are convenient but carry more risk if funds aren’t available.
How much does a cashier’s check cost?
Most banks charge a fee to issue a cashier’s check, but the exact cost depends on where you bank.
- Traditional banks – Expect to pay around $8 to $15 per cashier’s check. For example, Chase charges $10, and Bank of America charges $15.
- Credit unions – Often more affordable. Many charge $5 to $10, and some waive the fee for certain account tiers.
- Online banks – Ally and Charles Schwab issue cashier’s checks for free and mail them to you. Capital One also offers them online, typically with no fee.
Cashier’s checks are one of the most secure ways to pay, but it’s worth checking with your bank ahead of time to avoid any surprises on fees or delivery times.
Final Thoughts
Walmart can help with a lot of everyday money tasks, but issuing cashier’s checks isn’t one of them. If you need a payment that’s guaranteed by a bank—like for a down payment or large purchase—you’ll need to go through your bank, credit union, or an online banking platform that offers them.
That said, Walmart does offer a couple of useful workarounds. For smaller payments, money orders and bill pay services are simple, low-cost options that don’t require a bank account. Just make sure to choose the right tool for the job based on how much you’re sending and how secure the payment needs to be.
