Walmart MoneyCard Fees (ATM Fees and More)

This post is about the Walmart MoneyCard fees and limits. If you have a Walmart MoneyCard and are trying to figure out the fees that come with the card, or if you are considering purchasing the MoneyCard and want to learn about fees, you’ve come to the right place.

In this post, we will review everything you need to know about MoneyCard fees, including limits on how much you can add to the card or withdraw from the card at any given time.

In addition, we will provide a list of what services are free and what you have to pay for.

Finally, we will answer the most frequently asked questions about MoneyCard fees and limits.

"Walmart MoneyCard Fees"

This Post about Walmart MoneyCard Fees will cover:

  • What is Walmart MoneyCard?
  • Prepaid Card Fees You Should Look For
  • Walmart MoneyCard Fees
  • Verdict on Walmart MoneyCard Fees
  • MoneyCard Fees FAQs

What is Walmart MoneyCard?

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.

One of the best perks of the MoneyCad is the cash back rewards. You can earn 3% cash back at Walmart.com, 2% cash back at Murphy USA and Walmart fuel stations, and 1% cash back at Walmart stores.

Your cashback rewards are capped at $75 per year.

Prepaid Card Fees You Should Look For

Almost all prepaid debit cards come with some fees. However, not all fees are made equal. If you are using your prepaid debit card on a monthly basis, especially as an alternative to a traditional bank account, there are certain fees you should pay attention to.

Knowing what fees to look for and making sure you are avoiding excessive fees on your prepaid card helps you keep most of your hard earned money.

Here are the top 5 fees you should look out for:

Monthly Fee – This is the fee you pay every month, regardless of whether you use your prepaid debit card or not.

Reload Fee – This is the fee you pay to reload funds onto your card.

Purchases Fee – This is the fee you pay when you swipe your card to make purchases, whether online, offline or by phone.

ATM Withdrawal Fee – This is the fee you pay when you take money out of the ATM. Usually, prepaid cards have an in-network fee and out of network fee. Some charge no fee for in-network withdrawal. These fees are in addition to the fee the ATM owner will charge you.

Call with Live Customer Service Agent Fee – Some prepaid debit cards charge you a fee to talk to a live agent. This is important to know if the prepaid card is going to be your primary debit card for purchases, bill pay, and online purchases.

Now that you know what fees to look out for, here are the fees associated with the Walmart MoneyCard.

We begin with a summary of the fees, and then we provide a detailed listing of all the fees below, including daily card reload and withdrawal limits.

Walmart MoneyCard Fees

Fees Summary

Card Purchase Fee: $1

Monthly Fee: $5. The monthly fee is waived when you load $1,000 or more to your card each month.

Reload Fee: Up to $5.95.

Purchases: No fees.

ATM withdrawals: There is no fee when you withdraw cash at Walmart MoneyCenters and Customer Service desks, otherwise, there is a $2.50 fee for each ATM withdrawal, plus any fee charged by the ATM operator, even if you do not complete a transaction.

There is also a $2.50 fee for withdrawing cash at a bank teller.

For a full list of all the MoneyCard fees you should know about, including daily cash and transaction limits, see our list of fees below.

Here are the Walmart MoneyCard fees you should know about:

Fees for Reloading the card with funds

Transaction Type Fee Amount
Direct deposit of payroll or government benefits $0.00
Online bank transfer $0 — but your bank may charge a fee.
Walmart check cashing $0 — Walmart check cashing fees and limits apply.
Mobile check deposit No Fee
Walmart MoneyCenter Express $3.00
Rapid Reload cash at participating Walmart stores $3.00
Reload with cash on the Green Dot Network Up to $5.95

Other Fees

Transaction Type Fee Amount
Card Purchase Fee $1
Monthly Fee (w/ load of $1000 to your card per month) No Fee
Monthly Fee (w/o load of $1000 to your card per month) $5.00
Transaction Fee No Fee
Bill Pay Service No Fee
ATM Withdrawal Fee–In-Network $2.50
ATM Withdrawal Fee-Out of Network $2.50
Teller cash withdrawal $2.50
Call with Live Customer Service Agent No Fee
Toll Free Telephone Balance Inquiries No Fee
ATM Balance Inquiry Fee $0.50
Cash back with purchase No Fee
Replacement card if lost, stolen, or damaged $3.00
Expedited Card Fee (for a replacement card) $15.00
Cash Withdrawal at Walmart MoneyCenters or Service Desks $3.00
Cancelation or Inactivity Fee No Fee
Paper Checks $5.95 for a pack of 12 checks
Foreign transaction fee 3% of the transaction amount

Card Limits

Cash Load $3,000 load limit per day (store limits apply)
Maximum card balance $10,000 at any time
ACH/Direct Deposit limit $10,000.00
Maximum Daily ATM Withdrawal $500 per day
Maximum Daily Withdrawal at Walmart Register $1,000 per day
Maximum daily point-of-sale transactions $3,000 per day
Maximum daily over-the-counter withdrawals from a bank 1500 a day
Maximum monthly over-the-counter withdrawals from a bank $3,000 per calendar month
Maximum monthly ATM withdrawals $3,000 per calendar month

Our Verdict on the Walmart MoneyCard Fees

Our verdict on the fees associated with the MoneyCard can be summed up in what’s free and what’s not, as shown below.

What’s free:

  • Direct deposit of payroll or government benefits
  • Online bank transfer
  • Mobile check deposit
  • Signature Transactions
  • Pin Transactions
  • Inactivity Fee
  • Live Customer Service Support
  • Automated Customer Support
  • Cashback with purchase

What’s Not Free:

  • ATM Withdrawal
  • Monthly Fee
  • ATM balance inquiry
  • Card Purchase Fee
  • Paper Checks

Walmart MoneyCard Fees FAQs

Here are the most frequently asked questions about fees associated with the MoneyCard

How much are Walmart money cards?

There is a $1 one-time purchase fee if you get the Walmart MoneyCard in-store.
However, if you sign up for a MoneyCard online, you can avoid the purchase fee.

How much does it cost to load money on a Walmart debit card?

How much you pay to load cash on your card depends on where you load the money. Here are the fees charged to load cash onto your card by type:

Reload at Walmart MoneyCenter Express $3.00
Rapid Reload cash at participating Walmart stores $3.00
Reload with cash on the Green Dot Network Up to $5.95

Walmart MoneyCard ATM fees?

ATM fees for withdrawing money from your MoneyCard is $2.50, for both in-network and out-of-network withdrawal, in addition to any fees the ATM operator may charge.

What is the monthly fee for Walmart MoneyCard?

There is a $5 monthly fee for the Walmart MoneyCard. This fee is waived if you load $1000 to your card each month.

How much money can you put on a Walmart MoneyCard?

You can load $3,000 to your card per day (store limits apply).

However, you can only have a maximum of $10,000 at any time in your MoneyCard account.

Can someone else put money on my Walmart MoneyCard?

Yes, a family member or friend can add money to your MoneyCard through the Green Dot MoneyPak. See instructions on how to do this from our post How to reload Walmart MoneyCard under Cash Deposit – MoneyPak.

Walmart MoneyCard Fees Summary

We hope this post on Walmart MoneyCard Fees was helpful.

If you have further questions about the Walmart MoneyCard, please let us know in the comments section below.

Be sure to check out our other articles on Walmart MoneyCard, 5 Ways to Reload Your Walmart MoneyCard, How to Activate your MoneyCardHow to Check Your MoneyCard balance, and MoneyCard Login