Deposit options with Walmart MoneyCard
Find out the different ways to fund your account.
Walmart MoneyCard offers a convenient and secure way to manage your money. Managing money is even easier with features like direct deposit, free cash deposits, and mobile check deposits.
Direct Deposit
Direct deposit is a popular and convenient way to add money to your Walmart MoneyCard. Direct deposit can automatically deposit your paycheck, government benefits, or tax refund onto your card. This cuts the need to wait for a check to arrive in the mail or make a trip to the bank to deposit it. Plus, with direct deposit, your money is available on your card up to two days early1.
If you want to set up direct deposit, give your Walmart MoneyCard account and routing numbers to your employer or benefits provider and let them know if you want all or part of your pay deposited to your Walmart MoneyCard. You can find this information by logging into your account online or through the mobile app. Once set up, your funds will be automatically deposited onto your card on your designated payday.
Cash Deposits
Did you know adding cash to your account is as easy as a single swipe of your card? With your Walmart MoneyCard in hand, go to any Associate register or MoneyCenter and tell them how much you'd like to deposit into your account, between $20-$1,000. Hand the associate your cash deposit plus the $3 deposit fee, and your deposit will be reflected in your account within 10 minutes2.
Don't want to pay the deposit fee? No problem! Cash deposits are free at Walmart when you create a deposit barcode in the Walmart MoneyCard app; and you don’t need your card in hand. Simply generate the deposit barcode in the app, take your cash to any Customer service desk or MoneyCenter, have the Associate scan your barcode and hand them your cash deposit. Your deposit will be reflected in your account within 10 minutes2.
If you don't use the app, you can still add cash to your card; there is just a small fee for this service. Here, you can find the closest Walmart to you.
Transfer Money
Move money to or from another linked bank account, or use our Online Bill Pay Service to set-up a one-time or recurring payment at no cost3. With just a few taps in the app, you can transfer money to your Walmart MoneyCard from another linked bank account as long as you have an activated, personalized card.
Simply log into your account, select the "Transfer Money" option, and follow the prompts to complete the transfer. This allows you to conveniently add money to your Walmart MoneyCard without needing physical checks or cash.
Mobile Check Deposit
With Walmart MoneyCard's mobile check deposit feature, you can deposit checks directly onto your card using your smartphone4. Simply take a photo of the front and back of your check, enter the amount, and submit. Your funds will be available on your card within minutes.
To use mobile check deposit, download the Walmart MoneyCard mobile app and log into your account. Select the "Deposit Check" option and follow the prompts to complete your deposit. It's a quick and easy way to add money to your card.
Managing your money has never been easier with Walmart MoneyCard's convenient deposit options. Whether you prefer direct deposit, transferring, mobile check deposit, or reloading at Walmart stores, there is a way that will work for you.
Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purpose of cash back rewards, a "reward year" is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See Deposit Account Agreement for details.
Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability.
Monthly fee waived when you direct deposit $500+ in the previous monthly period. Otherwise, $5.94 a month.
Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Walmart MoneyCard account to prevent fraud restrictions on the account.
Limits apply. Your funds typically become available on your account within 10 minutes for your use.
Carrier message & data rates may apply.
Monthly fees will continue on locked cards. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
Interest paid annually on each enrollment anniversary based on the average daily balance across all savings of the prior 365 days, up to a maximum average daily balance of $1,000 across all savings, if the primary account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of January 2026. Fees on your primary account may reduce earnings on your savings account. See Deposit Account Agreement for terms and conditions.