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.

Spencer TierneyMar 4, 2021
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Key takeaways

  • Walmart MoneyCenter hours of operation are generally 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 they don’t have a MoneyCenter.

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. All Walmart stores offer these services, even if they don’t have 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 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.)

Chime logo
Learn More

Deposits are FDIC Insured

Chime Spending Account

Chime logo
APY

N/A

Monthly fee

$0

One Finance logo
Learn More

Deposits are FDIC Insured

One Finance Spend

One Finance logo
APY

1.00%

Monthly fee

$0

Bank of America, N.A. logo
Learn More

Member FDIC

Bank of America Advantage SafeBalance Banking®

Bank of America, N.A. logo
APY

N/A

Monthly fee

$4.95

Discover Bank logo
Learn More

Member FDIC

Discover Bank Cashback Debit

Discover Bank logo
APY

N/A

Monthly fee

$0

What are the Walmart MoneyCenter hours?

The usual 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, 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 MoneyCenter near you:

  1. Go to Walmart.com.

  2. Click on the three lines in the top left to open another menu.

  3. Click “Local Store” and “Store Finder.”

  4. Click on the ZIP code shown to type in your city and state or ZIP code, and select “Update location.”

  5. Click on the “Details” of the store you want to check.

  6. Call the number of that store.

LOOKING FOR MORE WAYS TO SAVE?
Get to know your money with NerdWallet. Easily track your spending and find ways to save.

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.

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 this 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 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.

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

    • 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 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 can also help you pay bills without extra charges. Check out the best online banks here.

    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, 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 MoneyCenter 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 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.