The Walmart MoneyCard is really a debit card that requires no bank account or credit check and so avoids overdraft costs. Obtainable 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 amounts of the MoneyCard can be obtained, including a favored Card that varies through the regular card in a number of its charges.

You could add cash to your card through direct deposit; by reloading it at a register, cashing a check at Walmart, or making use of a Walmart cash center express device. There are alternatives for online bank transfer also to get income income income tax reimbursement provided for your card account. Here is a review of the available solutions.

Key Takeaways

  • Walmart’s low-cost pre-paid debit card, the MoneyCard, requires no current banking account and will be funded via direct deposit.
  • You can find numerous quantities of MoneyCard perks from fundamental to Preferred, which is sold with additional features (but additionally may bring extra costs).
  • 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 government advantages can directly be loaded onto a MoneyCard through direct deposit. This solution is free and you may prefer to deposit all or section of your check. Employers may notify the financial institution of direct deposits as much as 2 days before the state “payday,” Walmart claims and also the store claims after that it transfers funds to your card early.

Walmart Rapid Reload

This program enables you to incorporate between $20 and $1,100 to your MoneyCard by swiping it during the register at Walmart or any other participating store. There clearly was a $3 charge when it comes to solution, however the cost is waived for Preferred cardholders.

Check always 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 could be a fee for cashing the check. This method is unavailable in nj, nyc, and Rhode Island. Utilising the MoneyCard’s smartphone application, there is also the substitute for deposit checks to your card account making use of your camera that is smartphone to Walmart.

Walmart Money Center Express

These facilities are found toward the leading of Walmart shops, close to the customer support division. They permit you to include funds to your card, check out the card stability, purchase cash instructions, and get prepaid phone cards. Costs apply, with respect to the sort of MoneyCard as well as the deal.

On Line Bank Transfer

The transfer normally takes anyone to three company times and there is no fee that is reloading. But, your bank may charge costs in the electronic transfer.

Tax Refunds

You can opt to directly deposit your refund onto your Walmart MoneyCard; no reloading fee applies if you electronically file your income taxes. You deliver your card quantity and phone that is mobile to Walmart, which then texts you the direct-deposit information you come right into your taxation types. The IRS that is standard processing relates, although e-filing typically enables you to be given a reimbursement more rapidly than filing by mail.


The MoneyCard provides most of the advantages entirely on all Visa and MasterCard debit cards, including fraudulence security. Free bill that is online service can also be included. You are able to deliver cash sales, free checks to a landlord, or set recurring monthly premiums for bills such as for example for the car insurance. These cards additionally permit you to deliver funds to buddies or family members any place in america.

You are able to make cash-back benefits by shopping at (3% cash return), Murphy United States Of America and Walmart gas channels (2%), and Walmart shops (1% money back). The restriction for cash-back benefits is $75 per year.

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

ATM withdrawals are priced at $2.50 because of the regular card and $2 aided by the Preferred one, however the favored card additionally enables free withdrawals from 24,000 MoneyPass ATMs. Other charge differentials incorporate a 3% international deal cost using the regular card, weighed against 2% for preferred one. The favored card additionally lets you miss out the $0.50 balance inquiry fee at ATMs, offered you utilize one of many MoneyPass ATMs.

The Conclusion

The Walmart MoneyCard is sold with a quantity of free solutions along with other advantages, specifically for regular Walmart shoppers. Moreover it provides a convenient amount of means to load cash on the card. But, other prepaid debit cards and mobile banking choices provide reduced charges, bigger systems of ATMs, and much more free services. Do your research before making a choice that is final.