The Walmart MoneyCard is a debit card that needs no bank account or credit check and so avoids overdraft fees. For sale in either Visa or MasterCard variations, the card can be utilized not just at Walmart but at any store that accepts Visa or MasterCard. A few quantities of the MoneyCard can be found, including a favored Card that varies from the regular card in a few of its costs.

You could add cash into the card through direct deposit; by reloading it at a register, cashing a check at Walmart, or simply by using a Walmart cash center express machine. There’s also alternatives for online bank transfer and also to get income tax reimbursement provided for your card account. Here is a glance at the services that are available.

Key Takeaways

  • Walmart’s low-cost debit that is pre-paid, the MoneyCard, calls for no current banking account and may be funded via direct deposit.
  • You can find numerous quantities of MoneyCard perks from fundamental to Preferred, which is sold with additional features (but in addition may bring extra fees).
  • The MoneyCard can be loaded at store registers, at Walmart Money centers, or with your IRS tax refund, among others in addition to direct deposit.

Direct Deposit

Payroll checks or your federal federal federal government benefits can be packed straight onto a MoneyCard through direct deposit. This solution is free and you will choose to deposit all or element of your check. Employers may notify the lender of direct deposits up to two times before the state “payday,” Walmart claims and also the merchant claims after that it transfers funds into the card early.

Walmart Rapid Reload

This method permits you to incorporate between $20 and $1,100 to your MoneyCard by swiping it in the register at Walmart or any other participating store. There clearly was a $3 charge for the ongoing solution, nevertheless the fee is waived for Preferred cardholders.

Always check Cashing at Walmart

The funds instantly load onto your MoneyCard if you cash your paycheck or government benefits check at Walmart. No reload costs are charged, but there might be a fee for cashing the check. This program is unavailable in nj-new jersey, New York, and Rhode Island. Utilizing the MoneyCard’s smartphone software, there is the substitute for deposit checks to your card account by utilizing your camera that is smartphone to Walmart.

Walmart Money Center Express

These facilities are observed toward the leading of Walmart shops, nearby the customer support division. You are allowed by them to incorporate funds to your card, look at the card stability, buy cash purchases, and get calling cards. Charges apply, with regards to the kind of MoneyCard as well as the deal.

On Line Bank Transfer

The transfer normally takes someone to three company times and there is no fee that is reloading. Nonetheless, your bank may charge charges from the electronic transfer.

Tax Refunds

If you electronically file your revenue fees, you can easily prefer to straight deposit your reimbursement on your Walmart MoneyCard; no reloading fee applies. You send out your card quantity and phone that is mobile to Walmart, which then texts you the direct-deposit information you get into your taxation kinds. The IRS that is standard processing relates, although e-filing typically lets you be given a reimbursement more rapidly than filing by mail.


The MoneyCard provides lots of the advantages available on all Visa and MasterCard debit cards, including fraudulence security. Free bill that is online solution can be included. You are able to deliver money requests, free checks to a landlord, or set recurring monthly premiums for bills such as for instance for your automobile insurance. These cards additionally enable you to deliver funds to buddies or family members any place in the usa.

You may make rewards that are cash-back shopping at (3% money back), Murphy United States Of America and Walmart gas stations (2%), and Walmart retail stores (1% cash return). The restriction for cash-back benefits is $75 per year.

MoneyCards expense between $1 and $4 to purchase, according to the card type. The standard card has a $5 month-to-month solution cost, which will be waived in the event that you loaded $1,000 or maybe more on the card into the month that is previous. The favored card has a $3 cost, that is waived in the event that you deposit at the least $500 towards the card in the month or have payroll or federal government benefits deposited right to it.

ATM withdrawals are priced at $2.50 because of the regular card and $2 using the Preferred one, however the favored card additionally enables free withdrawals from 24,000 MoneyPass ATMs. Other cost differentials add a 3% international deal cost utilizing the regular card, compared to 2% for preferred one. The Preferred card additionally enables you to miss out the $0.50 balance inquiry fee at ATMs, offered you employ one of several MoneyPass ATMs.

The Main Point Here

The Walmart MoneyCard includes a wide range of free services as well as other benefits, particularly for regular Walmart shoppers. Moreover it supplies a convenient quantity of methods to load cash on the card. Nevertheless, other prepaid debit cards and mobile banking choices provide lower costs, bigger sites of ATMs, and much more free services. Do your research before making a choice that is final.