How do I set up direct deposit?
To see if you can automatically set up direct deposit of your government or unemployment benefits to your Walmart MoneyCard account, follow the easy steps below: (Please note you can only set up direct deposit for Social Security benefits over the phone as online set up is currently not available. Contact the Social Security Administration at (800) 772-1213 for instructions on how to set up your direct deposit through their phone service.)
Automatic setup
Log in to the Walmart MoneyCard app or Walmart MoneyCard.com. Then access your "Direct deposit" page from the "Deposit & pay" menu.
To get started, tap or click the "Set up automatically" button at the bottom of the "Direct deposit" page.
Review the steps for how to automatically set up your direct deposit & hit “Continue.”
From there, you can search for "Who pays you?" to find your government or unemployment benefits provider & automatically set up your direct deposit in just a few steps:
Provide your government or unemployment benefits provider login credentials.
Select how much of your pay you want direct deposited to your Walmart MoneyCard account.
Confirm your direct deposit allocation & submit the request for processing.
Walmart MoneyCard uses Atomic to securely connect to your benefits provider to update your direct deposit information.
If your setup is successful, you should start seeing your direct deposit in your Walmart MoneyCard account in 1-2 pay cycles. If your request was not successful or you are unable to find your benefits provider, please see "Manual setup" steps below.
Manual setup
Ask your government or unemployment benefits provider for instructions on how to set up direct deposit.
Then follow these steps to get your bank account number & routing number:
Log in to the Walmart MoneyCard app or Walmart MoneyCard.com. Then access your "Direct deposit" page from the "Deposit & pay" menu.
From the "Direct deposit" page, copy your Walmart MoneyCard direct deposit account number & routing number to give to your benefits provider. If your provider requests the account type, enter “Checking.”
Follow the instructions provided by your benefits provider to give your bank account & routing numbers & make your direct deposit selection.
Once setup is complete, direct deposits usually start showing up in your Walmart MoneyCard account within 1-2 pay cycles.
TIP: Ask your benefits provider how long it will take them to set up your direct deposit. If it takes longer than expected to receive your first direct deposit, check back with your benefits provider.
IMPORTANT: The name & Social Security number on file with your benefits provider must match your Walmart MoneyCard account to prevent fraud restrictions on the account.
Government benefits provider info
- Social Security & Supplemental Security Income:
Contact the Social Security Administration at (800) 772-1213 or visit the Social Security website.
- Veterans Benefits:
Contact the Department of Veterans Affairs at (877) 838-2778 or visit the US Department of Veterans Affairs website.
- Federal Civil Service:
Contact the Office of Personnel Management / Civil Service at (888) 767-6738 or visit the Office of Personnel Management website.
Related questions
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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.
$3.74 service fee and limits apply. All rights reserved. Green Dot NMLS #914924/#908739.
Transfer money from another U.S. bank to your Walmart MoneyCard. Activated, personalized card required. Limits apply. Subject to your bank's restrictions and fees. Transfers take three (3) business days after account verification. See Deposit Account Agreement for details at WalmartMoneyCard.com
Fees and limits apply to debit card transfers. See Deposit Account Agreement.
Activated, chip-enabled debit card required to use Ingo Money check cashing service. The check cashing service is provided by Ingo Money, Inc. and the sponsor bank, identified in the terms and conditions for the service and subject to Ingo Money Inc. Terms and Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details. Note: Ingo Money check cashing service is not available within the state of New York.
Check cashing fees and limits apply. These services are not available in all states or stores. Reloads can’t exceed limits. Your receipt is proof of reload. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.