Walmart MoneyCenter Changes: $1,000+ Money Order Requires ID Verification, Bill-Pay Limited to $8,000 per 30-Days

Update 11/2/18: As of 11/1/18 the new rules are now being enforced. Nationwide, apparently. Interestingly, the $.88 fee counts in the $1,000 limit so if you hit $1k exactly with the fee included, you WILL have to give in your ID. Note, this $1k ID requirement only includes your driver’s license/ID number, not your SSN. That’s different than a SAR which requires your SSN.

Original Post from 10/14/18:

I heard a rumor a few days ago about changes coming to the Walmart MoneyCenter on Tuesday, October 8, and now there’s a blog post from Millionmileguy with the details and pictures of the memo.

Here are the changes:

  • If you buy $1,000+ in money orders, the system will ask for identity verifications. Previously, the threshold was $3,000.
  • Total money order purchases will be limited to $8,000 per customer, per day. Previous limit was $10,000.
  • Bill-pay is now limited to $8,000 per rolling 30 days. Previously the limit was probably $10,000 per day.

Here are images from Millionmileguy:

Not sure how many people still use the Walmart BillPay option for manufacturing spend since many credit card issuers are sensitive to that. The $10k to $8k change doesn’t seem like a big deal for most people either.

The big change here is the $3k to $1k for money orders: people regularly buy $1,998.40 in money orders and pay with four $500 Visa prepaid cards. Such a purchase will now trigger identity verification which is obviously time consuming and intrusive. Should still be possible to drain two $500s by purchasing a $999.30 money order without requiring identity verification. Not sure if loading $1,000 to a prepaid card will also trigger ID verification or if the ID requirements are for money orders only. I’d guess prepaid loads will require verification at $1,000 threshold as well.

Surely this is an MS hit, though one can argue that it could have been worse.

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Jun
Jun

Bought a $3,000 money order at Walmart. Asked for social security #. Is that normal?

WGU
WGU

3k or more they ask for SSN.

Just do 3 for 999 = 3k total with fees. No SSN required.

Jun
Jun

Too late for that now. I feel unsecured about entering social security number when there’s a line behind me. I’ll do 999$ x3.

Would 1000,1000,and 997 work as well?

WGU
WGU

Yes, That’ll work. 2999.99 will work, anything under 3k.

Kim
Kim

Just yesterday my normal Walmart started asking for ID for a $399 MO. They only allow two swipes. I’ve never had to give ID before. The clerks are annoyed and said all sorts of system updates are rolling out.

QueenCC
QueenCC

I just experienced this for the first time. I am uncomfortable with this. They make it seem like hackers and identity theft is so rampid because of internet security. It’s Rampid because we are giving out our information for random everyday things. It’s unnecessary. Stupid rules like this make it easy to find out information on a server because we had to give it over to get a money order! I will either get 900 money order or I will not use Walmart at all.

Jerry
Jerry

I recently purchased a money order from local walmart couple days ago. At the end of transaction, the receipt was not printed immediately after the money order print out. The associate said the system was frozen, then after some clicking, the regular receipt was printed out but not the small receipt. I checked its status online when I got home, and it said “This item requires further research; please fill out this form for submission”. Then I returned to the store today, they tried cashing it but failed, so they asked me to contact moneygram and fill the form and pay the fee to get refund from moneygram. I think I will do that. However it looks like the refund from moneygram is not guaranteed. So I am wondering what is my best option if moneygram is not going to refund me. Any suggestion? Thanks!

Mimi
Mimi

>>Then I returned to the store today, they tried cashing it but failed>>

when you said IT failed, was the store trying to cash out the MO from the “failed” transaction? How did you pay for the MO ~ VGC, bank DC, cash?

If it was me, I’d ask for a supervisor if I am asked to pay another fee to get a refund when it wasn’t my fault. I always had good experience talking to the cash department manager in issues like this and I didn’t have to pay more fees.

Jerry
Jerry

I paid with VGC. The funds were withdrew. They tried cashing the money order and refunding me $4 fee, but the attempt to cashing couldn’t go through. I talked to the supervisor, and was told that after the failed cashing, nothing they could do now and asked me to contact moneygram.

Mimi
Mimi

Isn’t the fee $3 to cash out MO bought at WM? I’m not sure if the cash dept manager would tell you the same thing since the fault is on their end so I’m pretty sure they can do something IF they want to help you get back your funds if the MO you bought is no good. Too bad, they’re pushing you to MG to fix the issue on their end. I know from reading reports on FT that dealing with MG is very challenging but I hope yours will be easier. Good luck!

Jerry
Jerry

It is $4 fee for upto $1000 now. Right now, they said nothing they could do. When I asked if moneygram wouldn’t refund me what I should do, one of them said I could sue moneygram. Maybe I have to sue walmart instead. But I really don’t want to go that way.

Jerry Mandel
Jerry Mandel

Some other Jerry-not Jerry Mandel.

nate
nate

So I have an interesting quesiton. Say, i’ve done $7,800 in bill pay for the last 25 days. Could I attempt to pay another bill for $1,500 within the 30 day rolling period? That’ll bring my total over 8k, but it appears to work in the app – would there be any reason I’d be declined

Curmudgeon
Curmudgeon

The motto is “Be the DP you want to see” and give it a shot then report back to us.

Steve
Steve

I was told at Walmart yesterday now only one card is allowed per day. I have 5 visa cards in 100$ each, but could only get 100$ money order yesterday.

Sherry
Sherry

I was told that any mo over 500 requires ID. Took the cashier quite some time to manually type in my info.

HoKo
HoKo

Did you have to type in your social security # at some point as well? If so, they were likely filing an eMSAR on you

Gore
Gore

Anyone recently having issues purchasing money orders at Walmart? Yesterday I went to my local store to purchase a $995 money order, the cashier looked at the register, went and spoke with the manager and then told me that they couldn’t process the transaction for me since they’ve noticed that I “purchase a lot of money orders there.” I am at that store pretty regularly so a lot of the staff do know me. I think that I’m going to just layoff that particular store for a while and reduce my purchase amount to somewhere around $800 instead of being so close to $1000. Just wondering if anyone else was having similar issues with employees becoming overzealous

HoKo
HoKo

Yeah I’ve been running into the same issue with my go-to store recently. Has yours relaxed over the past couple months or still being uptight?

zhxq
zhxq

Tried to buy a $999 MO today in NJ near NYC and I was still asked for ID…… Then I said: OK, I’ll just do $xxxx (greater than 1000). Since I was required to show my ID anyway, then why not just buy some more for this time LOL

Leslie
Leslie

Any impact/limitation on Serve/BB relooads, as of 11/2/18? If yes what is the limit now? Please share

Mimi
Mimi

No ID check nor limits to my 1VIP and BB loads on 1st and 2nd.