How to load a Walmart MoneyCard?

Walmart MoneyCard is a debit card that needs no bank details or credit check and so escapes overdraft charges. It can be used as Visa or MasterCard forms; this card can also be used at the store where the seller accepts the MasterCard or visa.

Some levels of the MoneyCard are offered, with a Preferred Card that varies from the fixed card in some of its charges. This article contains everything you need to know about how to load a Walmart MoneyCard.

Important points of the Walmart MoneyCard


  • Walmart’s low-cost pre-paid debit card, the MoneyCard, needs no current bank account and can be subsidized through direct deposit.
  • There are numerous stages of MoneyCard benefits, from basic to favored, which comes with extra features.
  • In addition to direct deposit, the MoneyCard can be used at store registers, at Walmart Money centers.

You can add money to the card via direct deposit; by refilling it at a register, cashing a check at Walmart, or using a Walmart money center to express the machine. There are also choices for online bank money transfer and your tax refund directed to your card account.

Offered services to load the Walmart MoneyCard

Direct deposit

Personnel checks or your government facilities can be used directly into a MoneyCard via direct deposit. This service is free of cost, and you can choose to credit all or share of your check.

Employers may inform the bank of direct deposits up to two days before the authorized payday, Walmart says, and the seller speaks it then handovers funds to the card early.

Walmart rapid reload 

This choice permits you to add between $20 and $1,100 to your MoneyCard by taking it at the register at Walmart or another contributing retailer. There is a $3 charge for the service, but the fee is abandoned for Favored cardholders.

Check cashing at Walmart

If you cash out your paycheck or government profits check at Walmart, the funds promptly load into your MoneyCard. No refill charges are taken, but there might be a fee for cashing the check. Using the MoneyCard’s application (app), there’s also the choice to deposit checks to your card account by using your phone’s camera, according to Walmart.

Walmart money center for loading the MoneyCard 

These places are situated near the front of Walmart stores, close to the customer service branch. They permit you to add money to your card, check the card balance, buying money orders, and purchase phone cards. Charges apply, dependent on the type of MoneyCard and the contract.

Online bank (money) transfer

The transfer takes typically 1 to 3 working days, and there are no refilling charges. Though, your bank might charge fees via online transfer.

➡LEARN MORE: How long does H&R block take to direct deposit?

Involved tax refunds

If you file your income taxes online, you can directly deposit your refund into your Walmart MoneyCard; no refilling charges apply. You show your card credential and phone or telephone number to Walmart, sending you the direct deposit info you enter your tax systems.

The regular IRS processing time applies, though e-filing usually permits you to obtain a refund extra rapidly than filing by email.

Benefits of having a MoneyCard

  • The MoneyCard deals with many of the profits found on all Visa and MasterCard debit cards, comprising fraud safeguard.
  • Free online bill repaying service is also involved.
  • You can send the money orders
  • Free checks to a property-owner
  • Set regular monthly expenses for accounts such as for your auto insurance.
  • These cards permit you to send funds to friends or family anyplace in the US.
  • You can also receive cash-back prizes by shopping at

Fees included with the MoneyCard

The MoneyCards price goes between $1 and $4 to purchase, dependent on the card type. The fixed card has a $5 once-a-month service charge, which can be abandoned if you have $1,000 or more into the card in the preceding month.

The Favored card has a $3 bill, waived if you deposit at least $500 to the card within that month or have payroll or government facilities put directly to it.

ATM withdrawals cost $2.50 with the fixed card and $2 with the Preferred one, but the Preferred card also lets free withdrawals from 24,000 Money Pass ATMs.

Other charge differentials comprise 3% foreign transaction charges with the regular menu, compared with 2% for the Preferred one. The Preferred card also permits you to avoid the $0.50 balance inquiry charges at ATMs, provided you use one of the MoneyPass ATMs.