Walmart's checking account does not come with a checkbook by default, but you can order checks through a third-party vendor

Walmart MoneyCard and Walmart's other checking products do not automatically send you a physical checkbook. If you need to write checks, you have to request them separately. Walmart partners with Harland Financial Solutions to print and mail checks to you — the same vendor that handles checks for many other financial institutions.

The process is straightforward: you log into your account online or through the Walmart MoneyCard app, find the checks or supplies section, and order them. Harland prints and ships them to your address on file. You pay for the checks themselves (the cost varies depending on the style and quantity you choose), and shipping is usually included.

This is different from a traditional bank account where checks often come free with your account. Walmart's model keeps the account cheaper to open and maintain, but it means you only pay for checks if you actually need them.

Key Takeaways

  • Walmart checking accounts do not include a checkbook; you must order checks separately through Harland Financial Solutions.
  • You can order checks through your online account or mobile app by navigating to the checks or supplies section.
  • You pay for the checks you order, with costs depending on the design and quantity; shipping is typically included.
  • Delivery usually takes one to two weeks after you place your order, so plan ahead if you need checks for a specific date.
  • If you rarely write checks, you may not need to order them at all — many people use their debit card or digital payments instead.

How to order checks through your Walmart account

Log into your Walmart MoneyCard account online or open the mobile app. Look for a menu option labeled "Checks," "Supplies," or "Order Checks" — the exact wording depends on which Walmart checking product you have, but it is always in the account settings or services section. Click or tap that option.

You will be taken to Harland's ordering page, which shows you available check designs and prices. Select the style you want, choose your quantity (usually in packs of 25 or 50), and add it to your cart. Review your shipping address — Harland will mail the checks to the address on file with your Walmart account. Complete the payment using your Walmart account balance or linked payment method.

After you place the order, you should receive a confirmation email with a tracking number. Checks typically arrive within seven to fourteen business days, depending on your location and current processing times. Do not wait until you desperately need checks to order them; plan ahead by at least two weeks.

What checks cost and what affects the price

Harland offers checks in different styles and quantities. A standard pack of 25 checks usually costs between $10 and $20, depending on the design. Larger orders (50 or 100 checks) cost more upfront but bring the per-check cost down. Specialty designs — checks with images, custom colors, or personalized layouts — cost more than plain checks.

Shipping is almost always included in the price you see at checkout, so there are no surprise fees when your order arrives. Some Walmart checking products occasionally offer promotional pricing on first-time check orders, so it is worth checking whether you may have access to before you pay.

If you only write a few checks per year, ordering a small pack makes sense. If you write checks regularly, a larger order saves money over time. Many people find they write so few checks now that they never order them at all — they use their debit card, online bill pay, or digital payment apps instead.

Delivery timeline and what to do if checks are delayed

Standard delivery takes seven to fourteen business days from the date you place your order. This means if you order on a Monday, your checks should arrive sometime between the following Monday and the Monday two weeks later. Harland's processing time is usually three to five business days, and USPS delivery adds another four to nine days depending on distance.

If your checks do not arrive within the stated timeframe, check your order confirmation email for a tracking number. You can use that number to see where your package is in the mail. If the tracking shows your checks were delivered but you did not receive them, contact Walmart customer service with your order number and tracking information.

If you need checks urgently and do not have time to wait, some Walmart locations offer check-cashing services, and you can also ask your payroll department or creditors whether they accept digital payments instead. A few employers and billers will take payment directly from your bank account without requiring a physical check.

Alternatives if you do not want to order physical checks

Many people with Walmart checking accounts never order checks at all. If you need to pay a bill or send money to someone, you have other options that are faster and often safer than mailing a check.

Online bill pay is built into most Walmart checking accounts. You can pay utilities, credit cards, insurance, rent, and other regular bills directly from your account through the Walmart app or website. The payment goes electronically or by check (mailed by the bank) depending on the payee, but you do not have to write or mail anything yourself.

Digital payment apps like Venmo, PayPal, Square Cash, and Zelle let you send money to friends and family when ready using just their email or phone number. Many of these are free for standard transfers. If you need to pay a business that does not accept these apps, you can often set up an electronic transfer directly from your Walmart account.

ACH transfers (automated clearing house) let you move money between your Walmart account and another bank account electronically. This works for paying rent to a landlord, sending money to family, or moving funds to savings. It is free and usually takes one to three business days.

Frequently Asked Questions

Can I order checks if I just opened my Walmart checking account?

Yes, you can order checks as soon as your account is active and your debit card has arrived. You do not have to wait any specific amount of time. However, make sure your address on file is correct before you order, because Harland will mail checks to that address and you cannot change it once the order is placed.

What if I move and need checks sent to a new address?

Update your address in your Walmart account first, then place a new check order. Harland will ship to your current address on file. If you have already placed an order and then moved, contact Walmart customer service with your order number and new address — they may be able to redirect it, but this is not may provide.

Can I reorder the same checks if I run out?

Yes. Log back into your account, go to the checks section, and place another order. Harland keeps your previous design on file, so you can usually reorder the same style without having to choose a new design. This makes it quick to get more checks when you need them.

What if my checks arrive damaged or with the wrong information?

Contact Walmart customer service with your order number and photos of the damaged checks. They will work with Harland to send you a replacement order at no charge. Do not try to use damaged checks — they may not be accepted by banks or businesses.

Is there a way to get checks faster than two weeks?

Standard delivery through Harland is the only option for physical checks from your Walmart account. If you need to pay someone urgently, use online bill pay, a digital payment app, or an ACH transfer instead — all of these are faster and do not require a physical check.