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.

Activated, personalized debit card required to refer friends to Walmart MoneyCard. In order for both the referred individual and the referring Walmart MoneyCard primary accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have been a Walmart MoneyCard customer in the 90 days prior to opening their new Account; they must open a new Account between August 1, 2023 and March 2, 2027: the must open the new account using the referring Walmart MoneyCard accountholder’s unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual’s employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring Walmart MoneyCard accountholder and referred individual Walmart MoneyCard accounts must be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are deposited into the referred individual’s new Account. New and referring Walmart MoneyCard accountholders may earn no more than $750 in referral rewards per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring Walmart MoneyCard accountholder’s knowledge of the individual’s new Account. Walmart MoneyCard reserved the right to cancel or modify the terms of the referral offer or terminate the member’s eligibility at any time with or without prior notice. Promotional credits are reported on form 1099 to the IRS.

Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. The name and Social Security number on file with the IRS must match your Walmart MoneyCard account to prevent fraud restrictions on the account.

Funds are protected from unauthorized transactions on successfully activated cards. Prompt notice is required.