Depositing and withdrawing cash

Depositing cash

Where can I deposit cash?

You can deposit cash fee-free into your ONE account at any Walmart cashier, Customer Service desk, or Money Center location in the United States.

If you don’t have your physical card, you can deposit cash using your ONE app-generated barcode at any Money Center or Customer Service Desk at Walmart.

These services are not available at Sam’s Club locations or international Walmart locations outside the United States.

How do I deposit cash with my ONE debit card at Walmart?

Take your ONE debit card to any Walmart Money Center, cashier, or Customer Service Desk
Let the Walmart Associate know that you would like to deposit cash into your ONE account, along with the deposit amount
The Associate will prompt you to insert your ONE debit card and enter your PIN in the register’s PIN pad
Hand your cash to the Walmart Associate and confirm the amount you are depositing in the register’s PIN pad

Once the transaction has been completed, your funds will immediately be available in Spend.

How do I deposit cash using my ONE app at Walmart?

If you do not have your physical card and want to deposit cash at a Walmart store, you can create a barcode from within your ONE app to be used for deposit. To create a cash deposit barcode, follow these steps:

Sign in to your ONE account
Navigate to the pocket you want to add funds to
Tap on Add Money
Select Deposit Cash
A barcode will be generated that you will take to a Walmart Customer Service or a MoneyCenter Associate
Let the Associate know how much you would like to deposit
The Walmart Associate will scan your barcode and confirm the amount you are depositing

Once approved, you will hand the Walmart associate your cash, and the funds will be immediately deposited into your chosen pocket

Is there a limit to how much cash I can deposit?

You can deposit a minimum of $1.00 up to a maximum of $999.00 for each transaction but can not exceed $3,000 in cash deposits for the day.

Are there any fees to deposit cash into my ONE account?

No, there are no fees for depositing cash into your ONE account.

Can I deposit cash into my ONE account using an ATM?

At this time, cash deposits are only available at Walmart stores.

Getting cash

Where can I withdraw cash from my ONE account?

You can withdraw cash at any Walmart location in the United States using your ONE debit card at any Walmart cashier, MoneyCenter, or Customer Service Desk. If you forget your card at home, you can also withdraw cash at Walmart locations by generating a barcode in your ONE app.

You can also withdraw cash at most ATM locations using your ONE debit card. ATM cash withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for eligible Direct Deposit customers, receiving $500 or more in eligible direct deposits in the previous 31 days. You can find an Allpoint ATM near you through the ONE app.

Additionally, merchants may allow you to withdraw cash at the register when making a purchase.

How do I withdraw cash with my ONE debit card at Walmart locations?

Take your ONE debit card to any Walmart cashier, MoneyCenter, or Customer Service Desk
Let the Walmart Associate know that you would like to withdraw cash from your ONE account, along with the withdrawal amount
The associate will prompt you to insert your ONE debit card and enter your pin in the register’s pin pad
Confirm the amount you are withdrawing in the register’s pin pad
Once the transaction has been completed, your funds will immediately be withdrawn from your ONE account’s Spend pocket

This service is not available at Sam’s Club locations or at international Walmart locations outside the United States.

How do I withdraw cash using my ONE app at Walmart locations?

Open and log in to your ONE app on your phone
Navigate to the pocket you would like to withdraw funds from
Tap on Move Money
Select Withdraw Cash
Enter the amount you wish to withdraw
A barcode will be generated that you will take to a Walmart MoneyCenter or Customer Service Associate
The Walmart Associate will scan your barcode and verify your identity*
Once approved, you will receive the requested cash for your withdrawal along with a receipt

This service is not available at Sam’s Club locations or at international Walmart locations outside the United States.

*Please note that you will need to verify your identity using an accepted form of government-issued ID. Acceptable forms of government-issued ID include a state ID or Driver’s License, Military ID, Social Security Card along with a US government-issued picture ID, or U.S. Passport.

Are there any fees for withdrawing cash?

There is no fee for cash withdrawals at Walmart using your ONE debit card.

Additionally, ONE does not charge any cash withdrawal fees for Direct Deposit Customers, receiving $500 or more in eligible direct deposits in the previous 31 days.

ATM cash withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for eligible Direct Deposit Customers. You can find an Allpoint ATM near you through the ONE app.

If you are not a Direct Deposit Customer, the following fees apply to your ONE account, as provided in the Deposit Account Agreement. You can avoid these fees from ONE by receiving $500 or more in eligible direct deposits in the previous 31 days:

$3 ONE ATM fee, in addition to any fee that might be charged by the ATM operator. International ATM withdrawals may also be subject to foreign transaction fees.
Any over-the-counter transactions at a bank or credit union will be charged a $3 Over the Counter (OTC) Withdrawal Fee from ONE in addition to any fees charged by the bank or credit union.
Withdrawal of funds using the in-app generated barcode at Walmart will be charged a $3 Barcode Cash Fee.

What pocket can I use to withdraw cash?

When using the Cash Withdrawal Barcode at Walmart, any Spend or Savings pocket is eligible to withdraw funds. If you are using your ONE debit card to get cash, you can only withdraw funds from your Spend pocket.

What are the limits for cash withdrawals?

Walmart locations: You can take out a maximum of $999.00 for each transaction but can not exceed $3,000 for the day.

ATMs: You can withdraw up to $500 a day.

All cash withdrawals using your debit card are subject to the $5,000 daily card spending limit.

You aren’t able to withdraw cash using a barcode if the amount requested dips into Overdraft Protection. You can only withdraw funds that are available before your Overdraft Protection kicks in.

If you need more cash than the $500 ATM limit or the $3,000 Walmart cash withdrawal limit, you can get additional cash from your Spend pocket by going into a bank or credit union and presenting your ONE card and photo ID to the teller. This is often referred to as an “over-the-counter withdrawal”. Any over-the-counter transactions at a bank or credit union will be charged a $3 Over the Counter (OTC) Withdrawal Fee from ONE in addition to any fees charged by the bank or credit union.