“but many use checks because they don’t have money in the bank right when they want something.”
Not a good practice anymore. Most of the large retailers will electronically scan the check and process it within hours after receiving it for payment.
I think Walmart has the money within 30 minutes.
“I think Walmart has the money within 30 minutes.”
Using a Check @ Walmart is processed on the spot before the receipt is printed. At the bottom there is a transaction # which is the “electronic release of funds”.
One does have to sign a “if the Check is returned” a “fee” will be charged” - however that is (according to our Walmart Manager) merely a legal hook just in case a check was Approved via Bank Error.