How to Load Your Walmart MoneyCard

Key Takeaways

With Rapid Reload, you can load your Walmart MoneyCard with up to $1,000 by bringing it to the customer service desk or Money Center at a store location.
You can use the app to add funds to your Walmart MoneyCard by mobile depositing a check or by linking an external bank account.
Participating retailers, including CVS and Walgreens, allow you to reload your Walmart MoneyCard for a fee.

The Walmart MoneyCard is a reloadable prepaid card that allows those without traditional checking accounts to spend and manage their money. It’s available as a Visa or Mastercard, making it easy to use just about anywhere. The MoneyCard also awards cash back on certain purchases.

So how do you load funds onto a Walmart MoneyCard? There are a few ways to do it. Here’s what you need to know.

You must be at least 18 years old to purchase a Walmart MoneyCard. When you first get your card, you need to register and activate it, then set up your account. Activation requires online access and verification of your identity, which includes providing a Social Security number. You’ll also need the mobile app to access all account features.

Once your account is set up, it’s time to fund the card. This can be done a number of ways.

Add cash. You can load money onto your MoneyCard at any Walmart store using the Add Cash option. Simply go to any Walmart register, provide the card, and the cashier will help you add funds. You can add $20 to $1,000 to your card. Keep in mind that this service costs up to $4.95, but you can also reload funds for free using the Walmart MoneyCard app at Walmart stores.
Direct deposit. Many cardholders choose to set up direct deposit. This allows your paycheck or government benefits to be deposited directly onto your Walmart MoneyCard on a regular basis. If you have at least $500 in direct deposits each month, the card’s monthly fee is waived. Additionally, you may be able to receive your paycheck up to two days early and government benefits up to four days early.
Check deposit. You can use the MoneyCard app to deposit checks to your account. Note that mobile check deposit is available to cardholders with active accounts who have recurring payroll direct deposit for at least two months.
Reload at other retailers. Some participating retailers besides Walmart offer services to reload money onto your MoneyCard. These include 7-Eleven, Walgreens, Dollar Tree, CVS and many more. The $4.95 fee applies when reloading at these stores.
Online bank transfer. If you have a bank account, you can use it to fund your MoneyCard by transferring funds online. Simply log into your MoneyCard account and link a bank account, then enter the amount you want to transfer. The funds should be available within three business days.

Walmart MoneyCard FAQs

Walmart MoneyCards can be purchased at Walmart stores for $1. You can also order cards online through the Walmart MoneyCard website. Cards take about two weeks to arrive when mailed.

The Walmart MoneyCard is a prepaid debit card issued by Walmart in partnership with Green Dot, a banking and financial technology company. It’s designed to offer an alternative to a traditional checking account.

Since it’s a prepaid card, you need to load money onto the card before you can use it. Once funded, the card can be used for online shopping and in-store purchases wherever debit Mastercard or Visa cards are accepted – not just at Walmart.

There are several fees that you may incur when using the Walmart MoneyCard. Some of the most common fees include:

Monthly usage fee. $5.94. This fee can be waived if you received one or more direct deposits totaling at least $500 to your primary deposit account the previous month.
Cash deposit fee. Free using the app at Walmart. Fee may be up to $4.95 at other locations.
ATM withdrawal fee. $2.50, plus any potential fees charged by ATM operator
Teller cash withdrawal fee. $2.50
ATM balance inquiry. 50 cents
Overdraft fee. $15
Foreign transaction fee. 3%
Check cashing. Up to 5% of the approved check amount depending on the type of check, minimum $5. There are no fees if you wait 10 days for funding.
Card replacement fee. $3 for regular delivery or $15 for expedited

Yes, you can earn cash back with the Walmart MoneyCard on certain purchases at Walmart, up to $75 per year:

3% at Walmart.com
2% at Walmart fuel stations
1% at Walmart stores

Any cash back you earn is credited to your account at the end of the year. Other features of the card include overdraft protection, early direct deposit and family accounts.

No, you do not need a bank account to use the Walmart MoneyCard.

Traditional debit cards are linked with a checking account from a bank or credit union. However, you may not be able to open a bank account due to being flagged in ChexSystems, or simply may not want a bank account for whatever reason. The MoneyCard is designed to allow those without checking accounts to still be able to manage their daily spending and use a card to make purchases.