Walmart Money Center: Hours and Services

Services include bill pay and money transfers. Hours are 8 a.m.-8 p.m. Monday-Saturday and 10 a.m.-6 p.m. Sunday.

Spencer TierneySeptember 3, 2019

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What is the Walmart Money Center?

The Walmart Money Center is an in-store and online alternative to a bank. You can find prepaid debit cards, credit cards, money transfers and cash services. All Walmart stores offer these services, even if they don’t have a designated center.

If you use Walmart Money Center because you don’t have a bank account, you might want to consider opening one. Many bank accounts have no monthly fees and provide the same services you get from Walmart — including check cashing and some money transfers — without fees. And many are available on your phone. (Had a hard time getting a bank account in the past? Check out NerdWallet's article on second-chance checking accounts for a possible solution.)

What are the Walmart Money Center hours?

The usual hours are 8 a.m. to 8 p.m. Monday through Saturday and 10 a.m. to 6 p.m. Sunday, according to Walmart, but exact times vary by store.

8 a.m. to 8 p.m. Monday through Saturday and 10 a.m. to 6 p.m. Sunday.

To find the hours for a Walmart Money Center near you:

  1. Go to Walmart.com

  2. Click on the location icon at the top of the website

  3. Type in your city and state or ZIP code

  4. Click “Local Store”

  5. Call the number of that store

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What services are available?

Here’s a breakdown of main products and services by category:

Product and description

NerdWallet recommendation

Check cashing

  • Cash your payroll or government checks, including tax refund checks, at Walmart stores.

    • $4 fee for cashing checks of up to $1,000; $8 fee for cashing checks over $1,000 and up to $5,000 (or $7,500 during tax refund season).

    Best if: You need a cheap way to cash checks and don't have a bank account or a prepaid debit card.

    Best alternative: Try one of NerdWallet's favorite low-fee prepaid debit cards with free direct deposit or learn more about second-chance checking accounts if you've had trouble opening a bank account.

    GoBank

  • Mobile checking account with $8.95 monthly fee that can be waived.

    • No credit check; easier to get than a traditional checking account.

    • No overdraft fees.

    • Free access to 42,000 ATMs.

    • Issued by Green Dot Bank.

    Best if: You've had a hard time getting a bank account.

    Best alternative: A second-chance checking account might have lower fees and help you open a traditional checking account later. Click the link for some options. And some of NerdWallet's picks for best checking accounts are easy to open even if you've been rejected for an account in the past.

    Learn more: GoBank review

    Bluebird

  • Prepaid debit card with no monthly fee.

    • Free access to over 24,000 ATMs nationwide.

    • No overdraft fees.

    • Accepted wherever American Express is.

    • Issued by American Express.

    Best if: You need the equivalent of a free checking account or want a new way to budget.

    Best alternative: Shop around NerdWallet's other picks for best prepaid debit cards or look at some of NerdWallet's favorite budgeting apps.

    Learn more: Bluebird review

    Walmart MoneyCard

  • Prepaid debit card with a cash-back rewards program: 3% at Walmart.com, 2% at Murphy USA and Walmart gas stations, 1% at Walmart stores.

    • Accepted wherever Visa or Mastercard is.

    • No overdraft fees (transactions over your balance are simply declined).

    • Has $5 monthly fee that can be waived.

    • Issued by Green Dot Bank.

    Best if: You're a Walmart.com shopper and don't have a bank.

    Best alternative: One of NerdWallet's other recommended prepaid cards or an online bank account with few fees and no overdrafts, such as Chime. Read more about Chime here.

    Learn more: MoneyCard review

    Bill Pay

  • Pay your bills online, in-store or using the Walmart app.

    • Offers real-time, same-day and next-day delivery.

    • Works with more than 15,000 billers.

    • Costs vary based on the provider, biller and payment speed.

    Best if: You're a Walmart shopper and don't have a bank.

    Best alternative: Some of NerdWallet's other recommended prepaid cards don't charge for bill pay. An online bank account with few fees and no overdrafts, such as Chime, can also help you pay bills without extra charges. Read more about Chime here.

    Walmart Rewards Card

  • Credit card accepted only at Walmart, Walmart.com and Murphy USA gas stations.

    • Rewards program includes 5% cash back on Walmart.com purchases and 2% from Walmart, and Walmart and Murphy USA gas stations.

    • Issued by Capital One.

    Best if: You spend a lot at Walmart.com.

    Capital One Walmart Rewards Card

  • Credit card accepted anywhere Mastercard is.

    • Rewards program is similar to the Walmart Rewards Card's, but also includes 2% back on restaurants and travel and 1% on all other purchases.

    • Issued by Capital One.

    Best if: You spend a lot at Walmart.com.

    Walmart2Walmart money transfers

  • Service to send money between Walmart stores within the U.S., including Puerto Rico, in-person or through the Walmart app.

    • Delivery can be within minutes.

    • Provided by Ria.

    • Fees from $4-$16.

    Best if: You need to send cash quickly and cheaply, and your recipient is near a Walmart.

    Walmart2World money transfers

  • Service to send money from a U.S. Walmart store, Walmart.com or the app to MoneyGram locations in more than 200 countries and territories.

    • Delivery can be within minutes.

    • Provided by MoneyGram.

    • Fees from $4-$16.

    Best if: You need to send cash fast and your recipient is near an international MoneyGram location.

    MoneyGram money transfers

  • Service to send money in-person or online to MoneyGram locations in the U.S. or abroad.

    • Most transactions are delivered within minutes.

    • Provided by MoneyGram.

    Best if: You need to send money quickly.

    Best alternative: Consider Walmart2World transfers, or compare other online transfer services that may be cheaper.

    Are Walmart Money Center services worth it?

    Many of its money services are relatively cheap and don’t require that you have a bank account to use them, but they’re limited. Since Walmart isn't a bank, it partners with various financial institutions, including banks and licensed money transfer companies, to offer its selection.

    » Want to stash your savings at a bank? Check out NerdWallet's best savings accounts

    Full-service bank accounts, in contrast, often give free services such as paper checks and access to branches and ATMs. And since Walmart is a retailer above all else, visiting the store to do your banking might turn into an impulse shopping trip if you’re not careful.

    If you’re interested in checking accounts, here are options that don’t have monthly fees and have quick sign-up.

    Discover Bank Discover Bank Cashback Debit

    Discover Bank Cashback Debit

    NerdWallet rating 
    NerdWallet rating 
    NerdWallet rating 
    Read review
    Monthly Fee

    $0

    Monthly Fee

    $0

    Monthly Fee

    $0

    APY

    N/A

    APY

    N/A

    APY

    1.25%

    With $0 minimum balance

    Bonus

    N/A

    Bonus

    N/A

    Bonus

    N/A

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