Does Walmart Take Starter Checks? Places That Accept Starter Check

A starter check is used when starting a new checking account. The check can be used to make deposits or withdraw money from your account until your personalized checks are printed.

Several places take starter checks, including restaurants, stores, and gas stations. So, using a starter check is a convenient way to access your checking account.

Walmart is one of the most popular retailers in the country. It’s a great place for restocked Walmart Rollback prices, a pharmacy, cheap nail salon prices, oil changes, and financial services like money orders.

So, does Walmart take starter checks?

Short Answer: No, Walmart does not take starter checks. However, Walmart does cash government checks, stimulus checks, payroll checks, pre-printed checks, tax checks, and cashier’s checks.

What Are Starter Checks?

A starter check is similar to regular checks, except they’re specifically designed for people who just opened a new checking account.

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Starter checks don’t include personal information. They’re considered basic checks and temporary until your permanent checks arrive. Starter checks can be used for daily purchases or to pay bills, such as monthly utilities, cable bills, home alarm bills, etc.

However, financial institutions are concerned about fraud because the check contains no personal information and a low check number. It may cause check processing delays as the bank verifies your identity and the information provided.

See our guide on 24-hour check cashing places near me.

Does Walmart Accept Starter Checks?

Unfortunately, Walmart does not accept starter checks. However, Walmart will take all authorized and printed checks for a fee ranging from $4 to $8, depending on the check value.

Places that accept starter checks include Target, Lowe’s, Kmart, and Costco.

What Type of Checks Does Walmart Accept?

Walmart accepts various personal and business checks, including but not limited to:

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• Personal checks
• Business checks
• Money orders
• Cashier’s checks
• Traveler’s checks
• Canadian checks
• Government checks
• Payroll checks
• Insurance settlement checks
• Tax checks
• Retirement distribution checks

See the Walmart check cashing policy to see the requirements and limitations. However, in general, all checks must be properly endorsed with a valid government-issued ID. 

See our guide on cashing a personal check at Kroger.

Who Takes Starter Checks?

Even though Walmart doesn’t accept starter checks, several places do. All the retailer locations will require a valid government-issued photo ID to validate your checks.

Places that take starter checks include:

• BJ’s Wholesale Club
• Costco Wholesale
• Lowe’s
• The Home Depot
• Office Depot
• OfficeMax
• Staples

See our guide on liquor stores that cash checks near me.

What Stores Don’t Take Starter Checks?

Many other places aside from Walmart do not accept starter checks. If you’re not sure your local store accepts starter checks, bring an alternative form of payment with you.

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Here are some stores that do not accept starter checks:

• Albertson’s
• ALDI
• Baker’s Supermarkets
• Bfresh
• City Market
• CVS
• Dillons Supermarkets
• Dollar General
• Dollar Tree
• Family Dollar
• Food 4 Less
• Food Lion
• Fred Meyer
• Fry’s Food & Drug
• Gerbes Super Markets
• Giant
• Hannaford
• Harris Teeter
• Jay C Food Stores
• King Soopers
• Kroger
• Mariano’s (Roundy’s)
• Martin’s Food Markets
• Owen’s
• Pay Less Super Markets
• Publix
• Quality Food Centers (QFC)
• Ralphs
• Rite Aid
• Ruler Foods
• Sam’s Club
• Scott’s
• Smith’s
• Stop & Shop
• Target
• Trader Joe’s
• True Value
• Walgreens
• Walmart
• Whole Foods
• WinCo

See our guide on cashing a third-party check on Chime.

How To Identify a Starter Check?

Starter checks look like regular checks and have the bank routing number and account number printed for processing. However, they don’t include personal information such as the customer’s address or name.

A very low check number in the upper right-hand corner signifies a new account. Many places reject checks with low numbers since it’s an unproven account. But, not all temporary checks include a pre-printed check number.

See our guide on cashing a check at Publix.

What’s the Difference Between Starter Checks vs. Regular Checks?

There are a few key differences between starter checks and regular checks, including:

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• Starter checks typically have a lower check number than regular checks. In some cases, a temporary check for a new account doesn’t have a pre-printed check number.
• Do not contain personal information such as name and address.
• Banks will only issue a limited number of starter checks, typically ten or less.
• The sequence of numbers usually begins with 001.
• Personal information, such as the person’s name, business name, and address, is included on regular checks. 
• Regular checks can also contain a phone number or a driver’s license number.
• The banking institution’s contact information, such as name, address, and phone number, are included on regular checks.

See our guide on places nearby to cash a third-party check.

Are Starter Checks Valid?

Yes, starter checks are valid and can be used to pay your monthly expenses. Starter checks can be used like a personal check.

First, make sure the check is correctly written and signed. Second, some businesses don’t accept starter checks, so it’s best to have another form of payment with you. 

Also, starter checks sometimes have lower check limits than regular personal checks. So you may need to get a new batch of checks if you plan to make a large purchase.

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Overall, starter checks are a valid way to pay for everyday expenses.

See our guide on convenience stores that cash checks near me.

Can I Write a Starter Check To Myself?

Yes, you can write a starter check to yourself. It’s legal to write yourself a check because you’re sending money from one bank account to another with your name.

However, it’s against the law to write a check knowing you don’t have sufficient funds, known as check kitting. Writing a bad check will overdraft your account, and the bank will likely charge a fee for a negative balance.

See our guide on places that cash checks without an ID near me.

Can I Mobile Deposit a Starter Check?

Yes, you can mobile deposit a start check, just like a basic check deposit, like payroll, stimulus, tax, etc. Simply write out the check, make it payable to yourself, and mobile deposit it into your account.

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See our guide on mobile check cashing apps that don’t use Ingo money.

Walmart Take Starter Checks Summary

Walmart does not take starter checks but does cash cashier checks, stimulus, government, payroll, pre-printed, and tax checks. Visit the Walmart Money Center near the return desk to answer any of your policy questions.

Most Walmart MoneyCenter hours are from 8 am to 8 pm Monday through Saturday, and 10 am to 6 pm on Sunday. The MoneyCenter hours are limited even at nearby 24-hour stores like Walmart.

See our guide on depositing a check on Cash App.