Walmart MoneyCenter: 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.
Apr 18, 2022

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Editor’s note, July 15, 2022: The Federal Trade Commission filed a lawsuit against Walmart in June 2022. The FTC lawsuit’s goal is to have money returned to customers who were defrauded and for Walmart to be penalized. Skip ahead to read more about the lawsuit.

Key takeaways

  • Walmart MoneyCenter hours of operation are 8 a.m. to 8 p.m. Monday through Saturday, and 10 a.m. to 6 p.m. Sunday.

  • Walmart MoneyCenter services include check cashing, money transfers and other cash services, such as bill payment.

  • All Walmart locations offer those same services, even if there isn't a dedicated MoneyCenter.

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What is the Walmart MoneyCenter?

The Walmart MoneyCenter is an in-store and online alternative to a bank. You can find prepaid debit cards, credit cards, money transfers and cash services. A MoneyCenter is dedicated to providing these money services, but all Walmart stores offer these services, even if there isn't a designated center.

If you use Walmart MoneyCenter 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 sending money to friends and family 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.)

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What are the Walmart MoneyCenter hours?

Walmart MoneyCenter hours are 8 a.m. to 8 p.m. Monday through Saturday and 10 a.m. to 6 p.m. on Sunday, according to Walmart.

To find a Walmart MoneyCenter near you:

  1. Go to the Walmart store locator, put in your ZIP code and press enter.

  2. Choose a store location from the list that appears and click on “Details.”

  3. You’ll see “Money services” listed if it’s available at that location.

  4. You’ll also see the store’s phone number, which you can call to ask if there’s a MoneyCenter there.

You can go to any Walmart for money services. If the store doesn’t have a MoneyCenter (or if you go outside of MoneyCenter hours of operation), you can still get money services at the Customer Service desk.

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What services are available at Walmart MoneyCenters?

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

Product and description

NerdWallet recommendation

Check cashing

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

  • Max $4 fee for cashing checks of up to $1,000; max $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.

Go2Bank

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 50,000 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.

Learn more: Go2Bank review

Bluebird

Prepaid debit card with no monthly fee.

  • Free access to over 30,000 ATMs nationwide.

  • No overdraft fees.

  • Can be used wherever American Express is accepted.

  • 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 Walmart gas stations, 1% at Walmart stores.

  • Can be used wherever Visa or Mastercard is accepted.

  • Has $5.94 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 — some feature few fees and no overdrafts. See the best online banks.

Learn more: MoneyCard review

Bill Pay

Pay your bills in-store or using the Walmart app (in-app bill pay services may be temporarily unavailable).

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

  • Works with more than 20,000 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 can also help you pay bills without extra charges. Check out the best online banks.

Capital One Walmart Rewards Card

Credit card that can be used anywhere Mastercard is accepted.

  • Rewards program includes 5% cash back on Walmart.com purchases, 2% from Walmart stores and gas stations, at restaurants and on 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.

  • Delivery can be within minutes.

  • Provided by Ria.

  • Fees from $2.50-$500.

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

Walmart2World money transfers

Service to send money using Ria Money Transfer from a U.S. Walmart store to Ria Money Transfer locations in more than 160 countries and territories.

  • Delivery can be within minutes.

  • Provided by Ria Money Transfer.

  • Fees from $4-$16.

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

MoneyGram money transfers

  • Service to send money in-person or online from a Western Union, Ria or MoneyGram agent location in the U.S. to MoneyGram locations in the U.S. or abroad.

  • Most transactions are delivered within minutes.

  • Provided by MoneyGram.

  • Fees vary, increasing with the amount being transferred.

Best if: You need to send money quickly.

Best alternative: As with other money transfer services, MoneyGram fees increase with the amount being transferred. Consider Walmart2World transfers, or compare other online transfer services that may be cheaper.

Are Walmart MoneyCenter services worth it?

Some of its money services are relatively cheap and don’t require that you have a bank account, but options are limited. Walmart isn’t a bank — it’s a retailer above all else and visiting the store to do your banking could turn into an impuls

e shopping trip. The reason the retailer is able to offer money services is because it partners with various financial institutions, including banks and licensed money transfer companies.

» 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. If you have trouble opening a bank account because of your banking history, consider a second-chance checking account. They offer many of the same services as regular bank accounts. Many second-chance checking accounts require a monthly fee, but some waive the fee if you meet certain requirements.

The Federal Trade Commission filed a lawsuit against Walmart in June 2022. The FTC asserts that from 2013 to 2018, Walmart MoneyCenter facilitated money transfer fraud that cheated customers out of hundreds of millions of dollars. “Despite its awareness of a substantial amount of fraud-induced money transfers involving Walmart, for many years, Walmart has failed to effectively detect and prevent consumer fraud involving money transfers at its locations,” the FTC lawsuit states

.

The FTC alleges that the company didn’t provide proper training for employees, didn’t warn customers about potential fraud exposure, and used processes that made it possible for fraudsters to cash out at Walmart stores. This page will be updated as the case progresses.

Frequently asked questions

Walmart MoneyCenters open at 8 a.m. Monday through Saturday and at 10 a.m. on Sunday. Call your local store to confirm its MoneyCenter hours, which may vary by location.

Walmart MoneyCenters close at 8 p.m. Monday through Saturday and at 6 p.m. on Sunday. Call your local store to confirm the hours, which may vary by location.

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