Maximize Walmart MoneyCard Benefits [ With Free eBook ]

Walmart MoneyCard offers amazing benefits for their shoppers, designed to simplify our financial transactions and provide peace of mind.

From direct deposit options to cash-back rewards, and from FDIC insurance coverage to purchase protection, Walmart MoneyCard is more than just a payment method—it’s a comprehensive financial tool.

I noticed that many who hold Walmart MoneyCard, aren’t using their card properly and enjoying the benefits. So, I thought to cover this up.

In this article, I have shared an eBook on “Maximizing The Benefit of Using Walmart MoneyCard” for those shoppers who like to save more, earn more cashback, great rewards, and discounts, avoid fees and extra charges, and of course more benefits.

I have shared my strategies – how I use my Walmart MoneyCard to maximize the benefits and you can follow the same to enjoy benefits.

You can request me to receive my eBook below, and it’s free.

Apart from this,

I’ve discussed all the benefits and advantages you can enjoy having a transactional card like Walmart MoneyCard in this article.

At the end, we have mentioned some FAQs asked by Walmart shoppers.

So, if this is something interesting then scroll and make sure you check all the points to get brief knowledge of where you can tap to get extra benefits from Walmart Moneycard.

Below I have shared a table of contents so, feel free to navigate around the topic of your interest.

Walmart MoneyCard Benefits

On our website, we are covering a lot about Walmart MoneyCard, because there is a high potential that the shopper audience can benefit from it.

And we help Walmart shoppers, by sharing info. and resources, not only Walmart MoneyCard but also several stuff that is related to Walmart.

In my eBook, I have mentioned all the methods, ways, and hacks that can help you maximize your Walmart MoneyCard benefit, earn more rewards, save more, and so on.

So, I highly advise you to download my eBook on “Hacks To Maximize Walmart MoneyCard Benefits“.

It’s completely free.

In this article, we’ll be only talking about the benefits of having and using Walmart MoneyCard, which obviously comprises, all the basic benefits you can have.

1# Direct Deposit

Walmart MoneyCard supports direct deposit. Walmart Direct Deposit, is a secure and convenient method for associates and employees to receive their pay electronically.

By providing their bank account details, associates can have their paychecks automatically deposited into their accounts on payday.

Direct deposit eliminates the need for paper checks and offers benefits such as faster access to funds and increased security.

Associates also can manage their Direct Deposit preferences through the Walmart One platform which makes it easy to update banking information and track pay deposits.

✅ Free to use: There are no fees for setting up or receiving direct deposits on your MoneyCard. 

✅ Early access to funds: You may be able to get paid up to 2 days early with direct deposit, compared to waiting for a paper check. 

✅ Easy setup: You can find your direct deposit information (account number and routing number) by logging into the Walmart MoneyCard app or texting “DD” to 41816. You can then provide this information to your employer or benefits provider to set up direct deposit.

👉🏼 Walmart ONE : Guide For Walmart Associates & Employee

2# Earn Walmart MoneyCard Cash Back & Rewards

Are you interested in earning Walmart MoneyCard Back & Rewards, if you are a regular shopper, I am guessing you’re interested.

In my ebook, I have covered these in detail about how you can maximize cashback and rewards, so make sure you check out.

Many Walmart MoneyCards offer cash-back rewards for purchases made at Walmart stores or online at Walmart.com.

Walmart MoneyCards can be a good option for you if you frequently shop at Walmart and want to earn some cash back on your purchases.

With the Walmart MoneyCard, you can earn cash back on your everyday purchases.

Here’s how it works:

• 3% cash back at Walmart.com
• 2% cash back at Walmart fuel stations
• 1% cash back at Walmart stores You can earn up to $75 per year through these cash-back rewards

3# Using The Walmart MoneyCard Mobile App

Not only cash back and rewards matter, when it comes to the benefits of using Walmart MoneyCard. A good transactional card also comes with additional features and functionality that let the audience use the card more efficiently and easily.

Having a mobile app is also helpful. Walmart MoneyCard provides a mobile app that allows you to manage your account, track spending, deposit checks, and more, all from your smartphone.

To download Walmart MoneyCard App, visit Apple AppStore and if you are an Android user, then download Walmart MoneyCard for Android phones.

• Download the App for Android By Visiting here – https://play.google.com/store/apps/details?id=com.greendot.walmart.prepaid&hl=en_US
• Download the App for Apple iOS Users by visiting here – https://apps.apple.com/us/app/walmart-moneycard/id1041067958?mt=8&ign-mpt=uo%3D4

Here is, a brief about what you can –

• Monitor your account: Check your current balance, transaction history, and spending trends easily.
• Mobile deposits: Deposit checks remotely using your phone’s camera.
• Free transfers: Transfer money between your Walmart MoneyCard account and another bank account. (Subject to available balance and limits)
• Direct deposit: Set up and manage your direct deposit for early access to your paycheck or government benefits.
• Card controls: Enable/disable your card temporarily in case you misplace it.
• Family accounts: Add up to 4 additional family members (ages 13+) to your account and manage their cards. (Fees may apply)

👉🏼 Walmart MoneyCard Fees Explained – How To Avoid?

4# Online Bill Pay Features

The Walmart MoneyCard offers convenient online bill pay features to help cardholders manage their finances efficiently.

With WalmartMoneyCard online bill pay, users can easily pay their bills directly from their MoneyCard account.

When you have this transactional card, then you avoid writing checks or visiting multiple websites or banks to make payments.

In brief, here are the key features of Walmart MoneyCard online bill pay include:

Easy Setup: Users can set up bill pay directly through their MoneyCard account online or via the mobile app. Once set up, they can add payees and schedule payments with just a few clicks.

Scheduled Payments: Cardholders can schedule one-time or recurring payments for bills such as utilities, rent, or credit card payments. This feature helps ensure that bills are paid on time, avoiding late fees and penalties.

Payment Tracking: Users can track their bill payments and view payment history within their MoneyCard account. This allows them to monitor their spending and keep track of their financial obligations.

Security: Walmart MoneyCard employs security measures to protect users’ personal and financial information during online bill pay transactions. This includes encryption and other security protocols to safeguard sensitive data.

Convenience: Online bill pay with Walmart MoneyCard offers convenience and flexibility, allowing users to manage their bills anytime, anywhere. They can access the service 24/7 from their computer or mobile device.

Cost Savings: Using online bill pay with Walmart MoneyCard can help users save money on postage, checks, and late fees associated with traditional bill payment methods.

Walmart MoneyCard’s online bill pay features provide cardholders with a convenient, secure, and cost-effective way to manage their bills and finances.

👉🏼 Features Of Walmart Money Card You Might Be Missing Out

5# Enjoy No Monthly Fee

If you direct deposit $500 or more in the previous monthly period, you can waive the monthly fee. ,

Usually, the fee is $5.94 per month

• Monthly fee: $5.94 if not waived.
• Monthly fee waiver: The monthly fee is waived if you receive direct deposits of payroll or government benefits totaling at least $500 in the previous month’s statement period.

So, I recommend direct deposit your $500 or more and save your $5.94

First month: The first monthly fee applies upon the earlier of:

• First use of your card.
• Day after card activation.
• 90 days after card purchase.

6# Walmart Family Accounts

Walmart Family Accounts is a service provided by Walmart that allows families to manage their finances together efficiently.

Family Accounts on the same card don’t qualify for a separate fee waiver, and any direct deposits to a Family Account won’t count toward the $500 minimum.

If you can consistently direct deposit at least $500 each month, then the Walmart MoneyCard can be a good option to avoid the monthly fee.

However, if you cannot meet the minimum direct deposit requirement, you might want to consider other debit cards that may have lower or no monthly fees.

7# FDIC Insurance

If you are depositing any amount of funds into any card, then you should be checking it that card or account is FDIC-Insured or not. Because FDIC is insured to protect your money in case of financial institution failure.

FDIC insurance guarantees the safety of your deposits up to the maximum insured limit per account ownership category

Funds that is loaded onto Walmart MoneyCard are typically FDIC-insured up to the maximum allowed by law.

If you like, you can go and learn about detailed FDIC-insured and policies.

8# Overdraft Protection

Overdraft protection is a service offered by banks and financial institutions that helps prevent transactions from being declined due to insufficient funds in a checking account.

And this is also important Walmart MoneyCard benfits.

When a transaction exceeds the available balance in the account, overdraft protection allows the bank to cover the transaction, typically for a fee.

This can prevent embarrassment or inconvenience for the account holder and ensure that important payments are not missed.

Depending on the specific card, Walmart MoneyCard may offer purchase protection, which can help cover the cost of eligible purchases in case of damage, theft, or loss.

The Walmart MoneyCard provides a valuable feature called Overdraft Protection. Let’s explore what it entails:

This is an optional service available with your Walmart MoneyCard account. It helps cover purchase transactions that exceed your available balance.

Here’s how it works:

Unlock up to $200in overdraft protection by opting in and having eligible direct deposit.

If you need more coverage, Walmart offers protection up to $200, although fees may apply.

The first $10 of coverage does not incur any fee.

When you make a debit card purchase that exceeds your available balance, the overdraft protection kicks in. You’ll have 24 hours to bring your balance back to at least $0 to avoid any fees

If you are interested to learn more about overdraft protection then feel free to official website here – https://www.walmartmoneycard.com/overdraft-protection

9# Walmart MoneyCards Come With Budgeting Tools

Another benefits of Walmart MoneyCards is that they offer budgeting tools that help track spending, and other features to help you manage your money more effectively.

Using the budgeting tools and features, you can divide your money into separate spending accounts.

Did you know that unforeseen expenses can disrupt even the most solid financial plans? Whether it’s a sudden car repair or an unexpectedly high utility bill, having a separate account can insulate your budget.

Also Read: How To Get Money Off Paypal At Walmart Without Card ?

Let’s how this feature can keep your finances aligned and empower your budgeting efforts. Here’s how you can use multiple spending accounts effectively:

✅ Monthly Bills Account:

Set up one account specifically for recurring expenses like rent or mortgage payments, car insurance, and cable bills. These are predictable and tend to be the same amount each month.

✅ Discretionary Account:

Create a separate account for discretionary or less predictable expenses. This could include your favorite Walmart purchases, such as clothing, electronics, or dining out.

✅ Direct Deposit Split:

Arrange your direct deposits to be split across multiple accounts. This way, you can cover your recurring expenses while keeping the remaining income in an account for other needs.

✅ Automatic Bill Payments:

Set up automatic bill payments for your predictable expenses. This frees you up to focus on managing the variable ones.

✅ The Right Tool for the Job:

Managing multiple checking accounts across different banks can be complex. However, the solution can be straightforward.

It’s a debit card with several benefits:

• Cash Back: Earn cash back on Walmart purchases (3% at Walmart.com, 2% at Walmart fuel stations, and 1% at Walmart stores, up to $75 per year).
• Overdraft Protection: Enjoy up to $200 in overdraft protection with eligible direct deposit.
• No Monthly Fees: Qualifying direct deposit ensures no monthly fees.
• Use it anywhere Visa® debit or MasterCard® debit is accepted.
• Manage your account on the go with the mobile app.
• Set up account alerts to monitor your balance and stay ahead of your budget.

10# No Overdraft Fee

The overdraft fee sounds very unreasonable to pay. Unlike traditional bank accounts, the benefit of Walmart MoneyCard is that does not charge overdraft fees, helping you avoid costly penalties for overspending.

The Walmart MoneyCard ensures that you won’t incur any overdraft fees. It’s a great feature that provides peace of mind for managing your finances.

With the Walmart MoneyCard, you can focus on your spending and budgeting without worrying about unexpected fees.

11# Free ATM Withdrawals

Free ATM Withdrawal is what we all seek to have. It’s totally annoying when an ATM charges us just to withdraw money. So, having a transactional card that allows free withdrawal is greatly advantageous for people like us.

The Walmart MoneyCard offers free ATM withdrawals, which is of course a great benefit.

When you need cash, you can use your Walmart MoneyCard at any MoneyPass® network ATM without incurring any fees.

Here’s how it works:

MoneyPass® Network: Walmart has partnered with the MoneyPass® network, which includes thousands of ATMs across the United States. These ATMs are fee-free for Walmart MoneyCard holders.

Locating Fee-Free ATMs:

Simply enter your location, and the tool will display the closest fee-free ATMs.

Use the MoneyPass® ATM Locator to find nearby ATMs within the network.

No Additional Charges: When you withdraw cash from a MoneyPass® ATM using your Walmart MoneyCard, you won’t be charged any additional fees by Walmart or the ATM operator.

Also Read: Get Money Off Cash App At Walmart Without Card

12# Reload Options

You can reload your Walmart MoneyCard at Walmart stores, participating retailers, or via direct deposit, making it easy to add funds to your account.

The Walmart MoneyCard provides several convenient options for reloading funds onto your card. Whether you’re adding cash, receiving direct deposits, or depositing checks,

Also Read: Can Someone Else Put Money On My Walmart Money Card ?

Different ways you can load your Walmart MoneyCard:

Rapid Reload at Walmart Stores:

• Visit any Walmart store and use the Rapid Reload option.
• Simply bring your card and cash to a Walmart register.
• Ask the cashier to reload your card.
• A reload fee of up to $3 may apply.

Direct Deposit:

• Set up direct deposit for your Walmart MoneyCard.
• This allows your paycheck or benefits to be deposited directly onto your card.
• Get your pay up to 2 days before payday with Early Direct Deposit.

Check Deposit via the MoneyCard App:

• Use the MoneyCard app to deposit checks into your account.
• Snap a photo of the check and follow the prompts to complete the deposit.

Reload at Other Retailers:

• Some participating retailers (besides Walmart) offer services to reload money onto your MoneyCard.
• Check with these retailers for their specific reload options.

Online Bank Transfer:

Explore the option of transferring funds from your bank account to your Walmart MoneyCard online.

The Walmart MoneyCard is a versatile tool that empowers you financially. Choose the method that suits your needs and start using your MoneyCard today

13# Customer Support

Walmart MoneyCard provides customer support services to assist you with any questions or issues you may have regarding your card.

If you need assistance with your Walmart MoneyCard, there are several ways to get in touch with customer support:

✔️ Customer Care Phone Number:

You can call (877) 937-4098 to connect with the Walmart MoneyCard customer support team. 

✔️ Online Chat via the App:

• Log in to your Walmart MoneyCard app.
• Tap on Settings to access account help.
• Scroll down and select the relevant topic from the chat window.
• Chat support is available from 7 AM to 9 PM PT, seven days a week.

✔️ Email Support:

• Visit the Walmart MoneyCard Email Support page.
• Provide your phone number and select the appropriate topic.
• Please avoid including sensitive information like your Social Security Number or Date of Birth in your comments.

Common Question Asked By Walmart Shoppers