Walmart MoneyCard FAQs

We know readers have various questions regarding the Walmart MoneyCard. We decided to set up this Walmart MoneyCard FAQ page to address the most common questions we get.

The Walmart MoneyCard is one of the best prepaid debit cards on the market. It comes with multiple options to add money to your card.

In addition, fees are low and you get the convenience of Walmart stores, where you can reload money and get cash from your card for free. See our complete review here.

Here are the most frequently asked Walmart MoneyCard questions:

Walmart MoneyCard Customer Service

Here are the most frequently asked questions about how to contact Walmart MoneyCard Customer Service or how to dispute a charge.

How do I Speak to a live representative at MoneyCard?

Here’s how to speak to a Live Person at Walmart Customer Service

Step 1 – Call the customer service phone number at 1-877-937-4098

Step 2 – You will hear the auto-attendant go through menu options. Press 5, then enter your Social Security Number and Zip Code.

Frequently Asked Questions about MoneyCard Dispute Resolution

Check out our post on Top Walmart MoneyCard Reviews and Complaints.

How do I check my Walmart MoneyCard Balance?

There are four ways to Check Your Walmart MoneyCard Balance:

Use the Mobile App

The Walmart MoneyCard mobile app allows you to check your balance. Simply download the app from Google Play or the App Store and log in with your User ID and Password to access your account information balance.

Sign up for Text Message

You can also check your card balance by signing up for text alerts. This can be done by logging into your account and opting in for text alerts.

Once you’ve opted-in, you can text “BALXXXX” (last 4-digits of your card) to 96411 to retrieve your balance.

Walmart does charge a fee to use this service, but your mobile phone carrier may charge text messaging fees.

Receive Account Alerts

If you prefer to receive a daily text or email message with your balance, log-in to your account online and enroll in account alerts.

Call Customer Service

Lastly, you can also check the balance on your card by calling customer service at 1-877-937-4098. A representative can help you with any questions.

What Does Pending Transaction Mean?

A transaction in a “Pending” status in your MoneyCard account means that purchase may not post to your card for a few days.

To make sure you have enough money for a purchase, merchants request approval for the purchase amount.

This holds the money for them and is considered a “pending” purchase until the merchant actually collects the money from Walmart MoneyCard.

However, once the merchant collects the money from Walmart MoneyCard, that transaction then changes into a “posted” purchase.

You can review both your pending and posted purchases on the Transaction History page in your Walmart MoneyCard account.

Why is the amount pending sometimes different than what I actually spent?

This is common with charges made at hotels, car rentals, and restaurants.

These businesses typically have a policy that requires them to pre-authorize and temporarily hold an amount of money from your card balance that is greater than your actual purchase amount.

However, once your purchase is processed by the merchant, your card balance will reflect the amount of your actual purchase.

The availability of the pre-authorized funds can take up to 10 days (90 days for car rentals) to be released back into your card balance.

Can I deposit cash to my Walmart MoneyCard account using an ATM?

Unfortunately, you cannot deposit cash to a Walmart MoneyCard using an ATM.

However, there are 4 convenient ways to deposit cash to your card:

The first option is using the Walmart MoneyCard app.

Another way of adding cash to your card is by using the Walmart Rapid Reload process.

Third, you can also deposit cash into your account using the MoneyPak service.

Finally, an easy way to add cash to your card is by going to a participating Walmart store and adding cash or by cashing a check and adding the money to your card.

How to Activate Walmart MoneyCard

Here are the most frequently asked questions about how to activate the Walmart MoneyCard.

Can I deposit cash to my Walmart MoneyCard account using an ATM?

Unfortunately, you cannot deposit cash to a Walmart MoneyCard using an ATM.

However, there are 4 convenient ways to deposit cash to your card:

The first option is using the Walmart MoneyCard app.

Another way of adding cash to your card is by using the Walmart Rapid Reload process.

Third, you can also deposit cash into your account using the MoneyPak service.

Finally, an easy way to add cash to your card is by going to a participating Walmart store and adding cash or by cashing a check and adding the money to your card.

Is the Walmart MoneyCard Free?

No, the Walmart Moneycrd comes with a $5 monthly fee. There are also additional fees for various services.

Here are the most common fees for the Walmart MoneyCard:

Walmart MoneyCard Fees
Activation fee	$1
Monthly fee	$5
Reload using direct deposit of payroll or government benefits.	No Fee
Rapid Reload® at participating Walmart Stores	$3.00
Reload with cash on the Green Dot Network	Up to $5.95
Reload using Walmart Check Cashing Standard Walmart Check Cashing fees and limits apply. Not available in all states or stores.	No Reload Fee
Check deposit fee	$4
Cash withdrawal or balance inquiry at over 24,000 MoneyPass® ATMs	No Fee
Cash withdrawal at non-MoneyPass® ATMs or tellers ATM owner may also charge a fee.	$2.00
Balance inquiry at non-MoneyPass® ATMs ATM owner may also charge a fee.	$1.00
Teller cash withdrawal	$2.50
Card replacement fee	$3 or $15
International transaction fee	3%

Who Can Get a Walmart MoneyCard

If you are trying to get a Walmart MoneyCard and are wondering what the eligibility criteria are, here is what you need to know.

You have to be 18 or older to buy and use the Walmart MoneyCard.
There is no credit check
You don’t need to have a bank account to buy a Walmart MoneyCard
Minors aged 16-17 can get the card with parents’ permission.
You are allowed to get multiple cards for a single account. All fees and purchases for all cards will be drawn from that account.

How to Reload Walmart MoneyCard

Here are the most frequently asked questions about how to add money to the Walmart MoneyCard.

Can I reload my Walmart MoneyCard at Family Dollar?

Yes, you can purchase a MoneyPak at Family Dollar and visit MoneyPak.com to reload your Walmart MoneyCard.

You can add $20 to $500 at a time. There is a $5.95 fee.

For a Family Dollar store near you, click here.

Can I reload my MoneyCard Walgreens?

Yes, you can reload your Walmart MoneyCard at Walgreens through MoneyPak.

You can purchase MoneyPak and add $20 to $500 at a time. There is a $5.95 fee.

For a Walgreens store near you, click here.

What are the stores that can reload a Walmart MoneyCard?

You can purchase a MoneyPak at the following retail stores to reload your Walmart MoneyCard: CVS, Dollar General, Dollar Tree, Family Dollar, Kroger, Rite Aid, Safeway, 7-Eleven, Walgreens, and Walmart.

You can add $20 to $500 at a time. There is a $5.95 fee.

Can I reload my Walmart MoneyCard with a Debit Card?

Yes, you can use your debit card to reload your MoneyCard at a Walmart Money Center Express or at a Cash Register. Fees apply. See above for more on cash reload options.

In addition, you can use your debit card to buy a MoneyPak at a participating retailer and add $20 to $500. There is a $5.95 fee.

Can I reload my MoneyCard with a Credit Card?

No, you cannot reload your Walmart MoneyCard with a credit card.

Can I reload my MoneyCard online?

Yes, you can reload your Walmart MoneyCard online by transferring money from your bank account.

The Walmart MoneyCard allows you to transfer money from your bank account to your MoneyCard account.

See details below above “How to Reload MoneyCard from a Bank Account”.

Can someone else put money on my Walmart MoneyCard?

Yes, another way to load money onto your Walmart Money card is through Card to Card transfer.

To do this, have a friend or family member who also has a Walmart MoneyCard to transfer money from their card to yours. See the card-to-card instructions above.

Walmart MoneyCard Direct Deposit & Tax Refund

Here are the most frequently asked questions about the MoneyCard Direct Deposit feature.

What time does direct deposit post to Walmart MoneyCard?

Direct deposits are a form of ACH (Automated Clearing House) transfers.

ACH sends electronic information about your direct deposit on the same day it receives it from your employer.

However, your bank then determines when to post the deposit to your account.

Walmart MoneyCard direct deposits usually show up just after midnight, which means very early in the morning on your payday or sooner if Walmart receives notice of your pay early as described in the ASAP Direct Deposit feature above.

How much money can be direct deposited on a Walmart MoneyCard?

You can direct deposit up to $10,000.00 at any given time to your Walmart MoneyCard.

Does Walmart MoneyCard deposit tax refunds early?

As explained above, with the ASAP Direct Deposit feature, you can get your tax refund early on your MoneyCard.

Once Walmart receives advance notice of the incoming transfer from the IRS for tax refunds, they will make the money available to you in your account right away.

Can I get my pay early with the Walmart MoneyCard?

As explained above, with the ASAP Direct Deposit feature, you can get your paycheck early on your MoneyCard.

However, similar to the tax refund above, it depends on if Walmart receives advance notice of your pay from your employer.

Once Walmart receives advance notice of the incoming transfer of your pay from your employer, they will make the money available to you in your account right away.

Can I receive tax refunds for other people in my account?

No, the tax deposit must be in your name. In accordance with IRS guidelines, you may direct your refund to your MoneyCard.

However, you cannot direct your refund to someone else’s card.

Note that if Walmart MoneyCard receives a tax refund intended for someone other than the cardholder, the refund will be rejected, your card may be blocked, and the money may be returned to the IRS.

How do I check the status of my tax refund?

Walmart MoneyCard cannot tell you the status of your tax refund.

However, you can get an update on the status of your refund through the IRS by using one of the following options:

Option 1

Visit the IRS Refunds website and go to “Where’s My Refund.”

Option 2

Download the IRS2Go App for your mobile device. The app is available for Apple devices and Andriod devices.

Option 3

You can also call the IRS Refund Hotline at (800) 829-1954.

For more info on tax refunds, visit www.irs.gov/refunds.

However, if your refund is a state refund, contact your state government agency.

The video below provides great information on the status of your refund.