Must be the legal age in your state (18, or older) to purchase a Walmart MoneyCard. Activation requires online access and identity verification (including SSN) to open an account. Mobile or email verification and mobile app are required to access all features.

See Account Agreement for fees, terms and conditions.

¹In 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; they 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 both 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 reserves the right to cancel or modify the terms of the referral reward 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.

²Cash 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 purposes 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.

³Early 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.

⁴Opt-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.

⁵No monthly fee when you direct deposit $500+ to your account each month. Otherwise, just $5.94 a month.