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Where Can I Cash A Post Dated Check

By David Krug 3 minute read

If you need to buy a large number of products but can only afford to pay for them one at a time, post-dated checks can be a lifesaver.

It’s reasonable to question if you may cash a post-dated check at Walmart if you purchase there frequently and Walmart accepts checks as payment. Find out what I’ve learned in the next paragraphs!

Can I Cash A Post Dated Check At Walmart In 2021? 

Post-dated cheques can’t be cashed at Walmart, unfortunately. All pre-printed checks, including government, tax rebate, and cashier’s checks that aren’t post-dated will be cashed at Walmart. Most banks, credit unions, and check cashing establishments allow customers to cash post-dated checks.

Check out this article if you’re curious about why Walmart does not cash post-dated checks and how to do it elsewhere!

What Type of Checks Does Walmart Cash?

Pre-printed checks that are not post-dated can be cashed by Walmart, according to its stated check-cashing policy. Included in this are the following:

  • Payroll checks
  • Government checks
  • Tax refund checks
  • Cashiers’ checks
  • Insurance settlement checks
  • 401(k) checks
  • Retirement disbursement checks

If you’re unsure about whether Walmart will pay your pre-printed check, stop by the customer care desk and speak with a representative.

Why Does Walmart Not Cash Post-dated Checks? 

The risk of processing these checks on the date mentioned is too great for Walmart to accept post-dated checks as payment for goods or services. It’s possible that a check won’t be paid because a client didn’t have enough money in their account on the day it was supposed to be processed.

Walmart would be forced to make further efforts to collect the money or incur this financial loss as a result of this payment failure. Post-dated checks are a major reason why Walmart and other retail chains refuse to accept them.

Where Can You Get Post-Dated Checks Cashed?

Most banks, credit unions, and check cashing establishments accept post-dated cheques. You can cash a post-dated cheque at any of the following financial institutions:

  • Chase Bank
  • Wells Fargo
  • HSBC
  • Citibank
  • PNC Bank
  • KeyBank
  • BB&T
  • Bank of America
  • BMO Harris Bank

Postdated checks can also be cashed at various check-cashing shops, such as:

  • Check Into Cash
  • PLS Check Cashing
  • Advance Financial
  • ACE Cash Express
  • Money Mart
  • The Check Cashing Store

How Can You Cash A Post-Dated Check?

A government-issued picture ID is required to cash a post-dated check at a bank, credit union, or check-cashing establishment (ideally from the list above).

It will be much like cashing a regular check once you get there (that is not post-dated). Once the bank staff verifies your identity, they will set a payment date based on the check. It is important to note that banks and credit unions are not legally obligated to cash a check on a future date. Even if the check has a post-dated date, they can still process it.

This means that unless the check’s payor explicitly said that the bank could not execute it until a certain date, you can get your check cashed on the same day of your visit.

Bottom Line

If the check bounces on the date of processing owing to insufficient funds, Walmart will not cash the check.