What can I do to protect my money & my account?
Make passwords difficult to guess & update them periodically - Strong passwords are at least 10 characters long & contain uppercase & lowercase letters, numbers & special characters. Also, don’t use the same password on multiple accounts. If the password is stolen from one of the companies where you do business thieves can use it to take over all your accounts.
Memorize your PIN - Don't write it down & keep it with your card. It should be easy for you to remember but difficult for anyone else to guess.
Give personal information over encrypted websites only - Make sure your browser has a secure connection by looking for the padlock icon or look for https at the beginning of the web address before submitting any login info or private data.
Log out after each session - Always log out, especially after using a public or shared computer.
NEVER share your personal, account, or login information with just anyone - Make sure you know to whom you’re giving sensitive information, every time. You can trust Walmart MoneyCard, but the same can’t be said of everyone.
NEVER send money to people you don’t know - Fraudsters may attempt to impersonate others to trick you into sending money to fraudulent accounts. Only send money to people you trust.
Keep your software current - Keep your software, including your operating system, web browsers, & your applications up to date to protect against the latest threats. This is especially true for anti-virus & other security software. Most software can update automatically, so make sure to set yours to do so.
Back up your files - Copy your files to an external hard drive or cloud storage. This way, if your computer is attacked by malware, you’ll still have access to your files. Ransomware encrypts not only your hard drives, but any attached backup drives as well. Backing up to a reliable cloud provider adds additional protection against ransomware.
Beware of links & attachments - Instead of clicking on a link in an email, type the URL of a trusted site directly into your browser. Don’t open attachments in emails unless you know who sent it & what it is. Links & attachments may look legitimate but clicking on them could download malware or send you to a scam site.
Get well-known software directly from the source - A common rule-of-thumb is to never download or install something that you specifically didn’t go looking for.
Related questions
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How can I find out if my identity was stolen? -
How do I opt out of future mailings from Walmart MoneyCard? -
What should I do if I suspect my identity has been stolen?
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.