Why wasn’t my check approved?
All checks submitted through the Ingo Money service are subject to review for approval, & most checks are approved. There are times, though, when Ingo Money is unable to approve a check due to inconsistencies in check images, limit-related issues, insufficient check verification data, or information about the check writer’s account. Unfortunately, Ingo Money cannot always tell you exactly why a check is declined because privacy regulations prevent sharing a check writer’s account information with you.
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Below are some examples of why checks may be declined:
Check was not written to you, as your name appears on your Walmart MoneyCard account.
Check was not endorsed.
Amount of the check is less than $5 or more than $5,000.
Amount of the check will cause you to exceed the daily, weekly or monthly funding limits for your selected account.
Amount of the check will cause you to exceed the daily or monthly check cashing limits or the maximum balance allowed on your selected account. See check limits.
Check images are illegible or do not pass authenticity screening.
Check is a single-party check (drawn on another account you own), a temporary check, a credit card check, or another unusual check type Ingo Money does not support.
A properly voided image of the check was not received. If you need to resubmit your voided check image, call Walmart MoneyCard check cashing service provider - Ingo Money at (229) 276-3990
Sufficient information could not be verified on the check writer’s account.
Check was written on a closed or compromised account.
If your check is declined, you will be notified in the app, by push notification (if you have enabled this service for the Walmart MoneyCard app) & by email. Your account will not be funded, & no fee will be assessed. You may attempt to deposit or cash your check with another service provider, or you may contact the check writer & request a new check or a different method of payment.
Related questions
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Can I cash a check with the Walmart MoneyCard app & have the money added to my account?
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.