Yes, you can deposit cash and checks at Walmart, but only into certain bank accounts
Walmart offers in-store deposit services through its Money Center, but the bank account has to be one that Walmart partners with. You cannot walk into any Walmart and deposit into any bank account. The account must be held at a bank or credit union that has a deposit agreement with Walmart's Money Services division. Most major banks participate, but some smaller regional banks and credit unions do not.
Deposits are processed the same day if you go before the Money Center closes, usually around 8 or 9 p.m. depending on the store. The deposit shows up in your account by the next business day, sometimes the same day if your bank processes overnight deposits. You will need your debit card or account number to complete the transaction.
Key Takeaways
- Walmart Money Centers accept cash and check deposits only for bank accounts with participating banks and credit unions.
- You need your debit card or account number to make a deposit; you do not need to be a Walmart customer or have a Walmart Money Card.
- Deposits made before the Money Center closes are processed the same day and appear in your account by the next business day.
- Not all banks participate, so call your bank or check their website to confirm Walmart is an accepted deposit location.
- Walmart Money Centers charge no fee for deposits, but your bank may charge a fee depending on your account type.
Which banks accept deposits at Walmart
The major banks that accept Walmart deposits include Chase, Bank of America, Wells Fargo, Citibank, and most regional and national banks. Many credit unions also participate, though participation varies by location and by individual credit union. Walmart maintains a list of participating institutions, but the easiest way to confirm is to call your bank's customer service line or check your bank's website under "deposit locations" or "ATM and branch locator."
Some online-only banks and smaller credit unions do not have deposit agreements with Walmart. If your bank is not listed, you will need to use your bank's own ATM, visit a branch, or use mobile deposit if your bank offers it. Do not attempt to deposit into an account at a non-participating bank through Walmart, as the transaction will be rejected.
What you need to bring to make a deposit
Bring your debit card or write down your account number and routing number. The Money Center associate will ask for one of these to identify your account. If you are depositing a check, the check must be made out to you or to you and another person on the account. Third-party checks (checks made out to someone else) are not accepted.
You do not need to bring your ID, a Walmart receipt, or proof of account ownership. The debit card or account number is sufficient. If you are depositing cash, bring the cash in any denomination. If you are depositing a check, bring the check itself — you cannot deposit a photo or image of the check at a Walmart Money Center.
How the deposit process works at the Money Center
Walk to the Money Center, usually located near the front of the store or near the pharmacy. Tell the associate you want to make a bank deposit. Provide your debit card or account number. The associate will ask which bank the account is with and confirm it is a participating institution. They will then count your cash or scan your check, enter the amount into the system, and print a receipt.
The receipt shows the amount deposited, the date, the time, and a confirmation number. Keep this receipt until the deposit appears in your account. If there is a discrepancy, you will need the confirmation number to dispute it with Walmart or your bank. The entire process usually takes 5 to 10 minutes.
Timing: when the deposit hits your account
Deposits made before the Money Center closes are processed the same day. Your bank receives the deposit information that night or early the next morning. Most banks post the deposit by the next business day. Some banks post overnight deposits the same day, but this depends on your bank's processing schedule, not on Walmart.
If you deposit on a Friday evening, the deposit may not appear until Monday, depending on your bank. Deposits made after the Money Center closes are held until the next business day and processed then. Weekend and holiday deposits are held until the next business day. Check your bank's deposit policy if you need the money urgently.
Fees and limits on Walmart deposits
Walmart does not charge a fee to deposit cash or checks at its Money Centers. However, your bank may charge a fee depending on your account type. Some checking accounts include unlimited free deposits at Walmart; others charge per deposit or limit the number of free deposits per month. Check your account agreement or call your bank to learn your specific fee structure.
Walmart does not set a limit on how much you can deposit in a single transaction, but your bank may. Some banks limit cash deposits to $5,000 or $10,000 per day for fraud prevention. If you are depositing a large amount, call your bank first to confirm there is no limit that would block the deposit.
What to do if your bank does not participate
If your bank is not on Walmart's list of participating institutions, you have several alternatives. Use your bank's own ATM to deposit cash if your account type allows it. Visit a branch in person during business hours. Use mobile deposit through your bank's app if you have a smartphone and are depositing a check. Ask your employer about direct deposit if you receive a paycheck.
Some banks partner with other retailers or networks for deposits. For example, some credit unions accept deposits at CO-OP ATMs or through partner banks. Call your bank and ask where you can deposit cash or checks outside of their branches. You may also consider switching to a bank that does accept Walmart deposits if you frequently need to deposit cash outside of business hours.
Frequently Asked Questions
Do I need a Walmart account or Walmart Money Card to deposit?
No. You do not need to be a Walmart customer, have a Walmart account, or have a Walmart Money Card. You only need a bank account at a participating bank and your debit card or account number. Anyone can use Walmart's deposit service as long as their bank participates.
Can I deposit a check made out to someone else?
No. The check must be made out to you or to you and another person whose name is on the account. Walmart does not accept third-party checks. If someone wrote you a check in their name and wants you to deposit it into your account, ask them to write a new check in your name instead.
What happens if I deposit into the wrong account by mistake?
Contact Walmart Money Services and your bank immediately. Provide the confirmation number from your receipt. Walmart and your bank will investigate the error. Recovery can take several days to a few weeks depending on whether the money went to another customer's account or was rejected by the system. The sooner you report it, the faster it can be resolved.
Can I deposit money on weekends or holidays?
Yes, if the Walmart is open and the Money Center is staffed. However, deposits made on weekends or holidays are processed the next business day. If you deposit on a Saturday, it will not appear in your account until Monday at the earliest. Call your local Walmart to confirm Money Center hours before you go.
Is there a maximum amount I can deposit at one time?
Walmart has no limit, but your bank may. Some banks limit cash deposits to $5,000 or $10,000 per day for fraud prevention. Check your account agreement or call your bank before depositing a large amount. If you hit your bank's limit, you can make another deposit the next day.