Walmart Incorporation, formerly known as Wal-Mart Stores Incorporation, is a giant American retail corporation that operates a chain of supercentres, department stores, and grocery stores based in the United States of America. It is currently headquartered in Bentonville, Arkansas, United States. In this article, we will discuss if Walmart cashes handwritten checks, in detail.
Handwritten Checks at Walmart
Technically, handwritten checks are much easier to write in comparison to electronically written checks. Even though handwritten checks have a much more feasible process, the majority of institutions prefer to accept and run electronically written checks.
When it comes to Walmart Incorporation, as of the year 2022, most Walmart branches do cash handwritten checks that are signed by hand (by customer). However, customers should make sure that Walmart will cash a handwritten check, only if it is printed, and bears the name of the company. Other important details like the company’s telephone number, address, date issues, and the amount of the check, should be accurately mentioned.
As already mentioned above, not all Walmart stores allow their customers to cash handwritten checks, even if they are issued from a business account. The reason behind this denial is the threat that handwritten checks carry with them. Handwritten checks have a higher degree of getting stolen in comparison to electronic checks. Furthermore, in case there are insufficient funds in the said account, handwritten checks can cause a lot of hassle for both parties. Both of these scenarios expose Walmart to crucial losses. Thus, to protect the company and its customers, some Walmart branches simply avoid using handwritten checks.
However, the good news is that majority of Walmart branches across the US do cash handwritten checks. Customers are advised to enquire about this service to their nearest Walmart store before visiting since services are affected based on the location of the store.
Other Options
As already mentioned above, not all Walmart stores cash handwritten checks. In case a customer is not able to issue a handwritten check at their nearest Walmart store, they can ask for the cash-checking service at various other locations like banks, check cashing stores, credit unions, and in some cases the retail chains.
When it comes to banks, the process is very simple. Customers have to visit the local branch of the bank in which they have an account. Once at the branch, customers will be able to cash their handwritten checks. By choosing this option, customers also have the opportunity to deposit a certain amount into their bank account. In addition, customers also have the option of visiting the issuing bank of the check, which will in turn, also cash their handwritten check.
Below, we have created a list of banks and credit unions that will allow customers to cash their handwritten check(s):
-Chart way Federal Credit Union
-First National Bank
-HSBC
-Bank of America
-Chase Bank
-Regions Bank
-Wells Fargo
-Bank of the West
-Navy Federal Credit Union
-PNC Bank
Customers also have the option of visiting any of the below-mentioned check-cashing stores to get their handwritten checks cashed. Customers should know that this service will be charged a fee at these stores:
-Speedy Cash
-ACE cash express
-Check Into Cash
-Money Mart
-PLS checking to cash
-United Check Cashing
-Mr. Payroll
Customers should remember that when they are visiting any of these stores, banks, or credit unions they should check-in before physically visiting the store. Customers should ask the store about the handwritten check cashing service, and the fees that the store will be charging them for the same.
Conclusion
Walmart Incorporations, famously known as Walmart, is a giant retail brand in the American market that offers its customers a wide range of services, including cashing handwritten checks. Customers should note that not all Walmart stores across the US will provide them with the service of cashing handwritten checks, and thus it is better to check in with them before they decide to visit the store physically. In case a customer is not able to cash their handwritten check at their nearest Walmart store, they always have the option of visiting any of the stores mentioned above in the article to acquire the service.
Frequently Asked Questions (FAQs)
Question1) Are customers allowed to bring their service animals inside a Walmart store?
Answer) Yes, every Walmart store across the United States allows its customers to enter the store with their service animals. Walmart as a company understands the role that service animals play in ensuring the safety and independence of their owners while they are outside, and thus Walmart has imposed no restrictions for the same.
Question2) Where can customers use their Walmart gift cards?
Answer) In case of a physical, tangible card (which has a pin), customers can use that in any of the United States, or Puerto Rico Walmart store or Sam’s Club (in the parts that are controlled by Walmart).
Customers can also use this gift card on walmart.com and samsclub.com. Customers should know that, if they wish to use their gift card on walmart.com or samsclub.com, this is a member service.
Online-only gift cards, referred to as e-cards, can only be used to shop online at walmart.com, or on samsclub.com. Again, customers are reminded that they can use their e-cards on both websites only if they are members of both companies.
Question3) Do You Have to Pay Any Fees to Cash a Handwritten Check?
Answer) Yes, most banks will charge their customers a nominal fee of under $10 for cashing a handwritten check at a branch. This charge will not be applicable if a customer has an account in that bank.
Some banks also charge their customers a certain percentage of the amount that they have in the check. This percentage can range anywhere from one to three percent. In the case of check-cashing stores, customers will be charged a fee for every check that they want to cash out, in addition to a certain percentage of the check’s amount. In comparison to banks, check-cashing stores are an expensive option.
