Is there a claim form for the Walmart check settlement?

No. There is no claim form and there will not be one. This is an injunctive relief settlement only, meaning the settlement forces Walmart to change its check policy disclosures but does not create a fund for cash payouts to class members. No one will receive money from this settlement except the plaintiff ($1,850,000 total for attorney fees and service award).

What does the Walmart check settlement actually do?

The settlement requires Walmart to change the language on its check policy signs and PIN pad authorization screens at every Walmart store in the United States. The new language must clearly warn customers that if a check is returned unpaid, Walmart may submit one or more separate electronic debits to collect the payment and a return fee, and that each collection attempt may result in separate fees charged by the customer's bank.

Why is there no cash payout in the Walmart check settlement?

This settlement was certified under Federal Rule of Civil Procedure 23(b)(2), which allows class actions seeking injunctive relief (a court order forcing a company to change its behavior) rather than monetary damages. The class was never certified for money damages. The only monetary component is $1,850,000 in attorney fees, costs, and the plaintiff's service award, which is paid by Walmart and does not come from a settlement fund for class members.

Can I opt out of the Walmart check settlement?

No. Because this is a Rule 23(b)(2) mandatory class, there is no right to opt out. All customers who have written or will write a check at any Walmart store in the United States are automatically included. However, you retain your right to pursue individual damages claims or a future Rule 23(b)(3) class action for money damages related to the same conduct.

Walmart Check Policy Settlement — No Cash Payout, No Claim Form, But Walmart Must Change Returned Check Disclosures

Q: I was charged multiple bank fees because of a returned check at Walmart. Can I get my money back?

Not through this settlement. This settlement only changes Walmart's disclosure language going forward. It does not compensate people who were charged multiple bank fees in the past. However, the settlement specifically preserves your right to pursue individual damages claims or a future class action for monetary damages under Rule 23(b)(3). If you believe you were harmed by Walmart's check processing practices, you may want to consult an attorney about your individual options.

By Steve Levine

Walmart Check Policy Class Action Settlement No Claim Form No Cash Payout Returned Check Fees TeleCheck 2026

Published: March 25, 2026

What Is This Settlement About?

We want to be upfront: there is no claim form for this settlement. There is no cash payout for class members. There is no money to collect. If you are looking for a Walmart settlement you can file a claim for, this is not it.

Now here is what actually happened and why it matters.

A class action lawsuit alleged that when customers wrote checks at Walmart and those checks bounced, Walmart and its check processing partner TeleCheck would submit multiple separate electronic debits to the customer's bank account to try to collect the payment and the return fee. Each of those separate collection attempts could trigger a separate overdraft or insufficient funds fee from the customer's bank -- meaning a single bounced check at Walmart could result in the customer being hit with multiple bank fees they did not expect and were not clearly warned about.

The lawsuit claimed Walmart's posted check policy and the PIN pad authorization language at the register did not adequately disclose that customers were authorizing multiple separate collection attempts, each of which could result in a separate bank fee. The plaintiff argued this was a breach of the terms Walmart posted and a breach of the covenant of good faith and fair dealing.

Walmart and TeleCheck denied all allegations of wrongful conduct and disclaimed any wrongdoing or liability. The court did not determine that Walmart did anything wrong. Both sides agreed to settle.

There Is No Claim Form and No Cash Payout

This needs to be stated clearly because people will search for this settlement expecting to file a claim. You cannot. There is no claim form. There will not be one. No one is getting a check from this settlement.

This is what is called an "injunctive relief" settlement. Instead of creating a fund to pay class members, the settlement forces Walmart to change its behavior -- specifically, to change the language on its check policy disclosures at every single Walmart store in the United States. The settlement was certified under Federal Rule of Civil Procedure 23(b)(2), which is the rule for class actions seeking an order to make a defendant do something (or stop doing something), not for class actions seeking money damages.

The only money in this settlement is $1,850,000 in attorney fees, costs, and the plaintiff's service award, which is paid by Walmart directly to the lawyers and the named plaintiff. It does not come from a fund and no class members share in it.

What Does the Settlement Actually Change?

Walmart must update the language on two things at every store: the posted Check Policy sign and the PIN Pad Proof of Authorization screen.

The new Check Policy language must say: "If your check is returned unpaid, you authorize us to submit one or more separate EFT(s) or draft(s) drawn from your account to collect your payment, and you also authorize us to submit one or more separate EFT(s) or draft(s) to collect a return fee. Each attempt to collect these amounts may result in separate fees charged by your bank, which we do not control."

The new PIN Pad authorization must say: "I authorize you to collect my check by EFT(s)/draft(s), and if returned unpaid, I authorize you to collect (i) the amount of the check and (ii) the posted fee by one or more separate EFT(s) or draft(s). Each attempt to collect these amounts may result in separate fees charged by your bank, which we do not control."

The key addition is the warning that each collection attempt may result in separate bank fees. That language was not in the previous disclosures, and the absence of that warning was the core of the lawsuit.

Walmart must implement these changes at every location in the United States within 180 days after the settlement becomes final. The new disclosure obligations last for five years.

Can You Opt Out?

No. This is a mandatory class under Rule 23(b)(2). There is no opt-out. Everyone who has ever written a check at Walmart or will write one in the future is automatically in the class. You cannot exclude yourself.

However -- and this is important -- the settlement specifically preserves your right to pursue individual damages claims against Walmart or TeleCheck for the same conduct. It also preserves your right to bring or join a future class action for money damages under Rule 23(b)(3). The only thing you give up is the right to use the Rule 23(b)(2) class action device again for these same claims. You do not give up your right to seek money individually or through a money-damages class action.

What If I Was Charged Multiple Bank Fees Because of a Returned Check at Walmart?

This settlement does not compensate you for that. It only changes Walmart's disclosure language going forward.

If you believe you were harmed by Walmart's check processing practices -- for example, if a single bounced check resulted in multiple overdraft fees from your bank because Walmart and TeleCheck submitted multiple separate collection attempts -- you still have the right to pursue an individual claim or a future class action for monetary damages. This settlement does not take that right away from you.

Whether pursuing that claim would be worthwhile depends on how much you were charged, what state you live in, and the specific facts of your situation. If you believe you have significant damages, consulting a consumer rights attorney may be worth considering.

Settlement Notice PDF

Download the Full Settlement Agreement (PDF)

Case Information

Case: Morris v. Walmart, Inc., Case No. 1:22-cv-00016-BMM (D. Mont.)
Court: U.S. District Court, District of Montana
Judge: Hon. Brian M. Morris
Plaintiff: Brandy Morris
Defendants: Walmart, Inc. and TeleCheck Services, LLC
Settlement Type: Injunctive relief only (Rule 23(b)(2)) -- no cash payout to class members
Class Definition: All persons who have written or will write a check at any Walmart store in the United States
Claim Form: None -- there is no claim form and no cash payout
Opt-Out: Not available (mandatory class)
What Changes: Walmart must update check policy and PIN pad language at every U.S. store within 180 days
Duration: 5 years from effective date
Attorney Fees: Up to $1,850,000 (includes plaintiff's service award)
Class Counsel: KalielGold PLLC and Hausfeld LLP
Mediation: Settled December 23, 2025 before U.S. Magistrate Judge John Johnston
Individual Damages Rights: Preserved -- class members can still pursue money damages individually or through a future Rule 23(b)(3) class action

How Do I Find Class Action Settlements?

Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:

Filing Class Action Settlement Claims

There is no claim form for this settlement and no cash payout is available to class members. This is an injunctive relief settlement that changes Walmart's check policy disclosures at all U.S. stores. If you are looking for settlements you can file claims for right now, visit OpenClassActions.com. OpenClassActions.com is a consumer advocacy and class action news site, and is not a class action administrator or a law firm.

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Walmart Check Policy Settlement Summary
Type	Injunctive relief only -- no cash payout
Claim Form	None -- does not exist
Defendants	Walmart, Inc. and TeleCheck Services, LLC
What Changes	Check policy and PIN pad language at all U.S. stores
Opt-Out	Not available (mandatory class)
Implementation	180 days after effective date
Duration	5 years
Individual Rights	Preserved -- can still sue for money damages
Court	D. Mont., Judge Brian M. Morris