can i get a money order from my bank

You can purchase Money Orders from any Walmart Supercenter or Neighborhood Market at the Can I get a refund for my money order if I no longer need it? Money orders are ideal for sending funds to people that don't have bank accounts. To receive cash, all the recipient has to do is present. The fee to purchase a money order is usually between $1 and $2. You will typically use cash or a debit card to pay for the amount that you would like your.

Can i get a money order from my bank -

Cashier’s Check vs. Money Order: What's the Difference?

Cashier's Check vs. Money Order: An Overview

If you need to pay someone and don’t want to use cash or write a personal check, you can use a money order or cashier’s check instead. Both are considered safer forms of payment relative to personal checks, but they differ in terms of where you can buy them, what they cost, and when it makes sense to use one over the other.

Cashier’s Check

A cashier’s check is a type of official check that’s issued by a bank. It’s not to be confused with a certified check, which is a check drawn on a depositor's checking account that the bank certifies there are sufficient funds to pay. Another key difference is that with a cashier's check, a bank representative will sign it because the funds are drawn from the bank's own account. Whereas with a certified check, the bank certifies the customer's signature is genuine.

Key Takeaways

  • A cashier’s check is a type of official check that banks issue and sign.
  • Money orders are available in several places, including the U.S. Postal Service, convenience stores, drug stores, grocery stores, and check-cashing companies.
  • It is generally easier to buy money orders, but cashier’s checks are more secure.
  • Cashier's checks are not entirely foolproof, however, as scammers sometimes create fake ones.

When you purchase a cashier’s check, the bank takes the money from your checking or savings account and puts it in its own account. The bank then writes out a check to the person or business you need to pay. You’ll typically pay a fee for a cashier’s check to the bank, with the average fee at the nation’s largest banks hovering around $10.

The upside of using a cashier’s check to pay someone (or receive payment) in place of a personal check or cash is that it is secure. Because the bank takes the money directly from your account and puts it into its own, the check is guaranteed not to bounce. That means whoever you need to pay is guaranteed to get the money. And you don’t have to worry about any overdraft or non-sufficient funds (NSF) fees, which are charged when you don’t have enough money in your account to cover a check.

Cashier’s checks aren’t entirely foolproof, however, and fraudulent cashier’s checks can feature in financial scams. A scammer may present you with what looks like an official cashier’s check, which you deposit into your account. Weeks later, however, your bank may discover that the check is a fake. If someone you don’t know very well tries to pay you with a cashier’s check, it’s a good idea to contact the bank whose name is on the check to make sure it’s authentic before trying to deposit or cash it.

Money Order

Money orders are also a safer form of payment relative to personal checks. In addition to buying them at a bank, you can get them from the U.S. Postal Service, convenience stores, drug stores, grocery stores and check-cashing companies. These same places generally will also cash a money order they have issued, or you can deposit a money order into your bank account.

When you purchase a money order, you have to pay for it with cash, a debit card or traveler’s checks. You generally can’t use a credit card or write a personal check. If you use a credit card, it could be treated as a cash advance. Like cashier’s checks, you’ll pay a fee for a money order, but they’re inexpensive. Depending on where you buy a money order from—and how much it is for—the fee may be less than $1 or go up to $5. 

One advantage money orders have over cashier’s checks is that they’re usually easier to replace if they’re lost or stolen. With a cashier’s check, you must request a new check from the bank and, in most cases, purchase an indemnity bond from an insurance company. This bond protects the bank if you lose the cashier’s check a second time. Once you file your request for a new check, it can take anywhere from 30 to 90 days for it to be issued.

Replacing a lost or stolen money order is often as simple as returning with your receipt to the place where it was purchased and ask for a replacement or refund. The money-order issuer may charge you a fee to replace it, but you can get it right away, instead of waiting months for a cashier’s check to be reissued. 

Special Considerations: When to Use Which

Money orders are generally easier to buy, but cashier’s checks are more secure. So which one should you use and when? 

A cashier’s check is a type of official check that’s issued by a bank. It’s not to be confused with a certified check, which is a check drawn on a depositor's checking account that the bank certifies there are sufficient funds to pay.

The safety factor makes cashier’s checks the better choice if you need to make a large payment, say, for a car or boat. In some cases, a cashier’s check may be your only payment option. If you’re buying a home, for example, the lender may require you to get a cashier’s check to pay what you owe during closing. 

Money orders are less expensive, making them better for smaller payments or when writing a personal check is not an option. For instance, you may use a money order to pay rent or to send a few hundred dollars to a friend who’s short on cash.

Money orders and cashier’s checks can be a convenient way to pay someone or to receive money. If you’re planning to purchase either one, remember to check the fees involved and whether the issuer puts any limits on dollar amounts. Most importantly, keep your receipt or statement showing when the money order or cashier’s check was purchased, in case it is lost, stolen, or damaged.

Источник: https://www.investopedia.com/personal-finance/what-difference-between-cashiers-check-and-money-order/

Can I cross out a name on a money order?

Most major money order issuers do not allow customers to correct mistakes on money orders. You cannot cross the information out and rewrite it or use white-out; instead, you will usually need to get a replacement for the money order.

How do you get ink off of a title?

Use acetone to erase ink. Most nail polish remover is made of acetone, and this can be used to remove ink from paper. Apply a small amount of acetone to a cotton swab, and rub into the ink you’re trying to erase.

Can you change who a money order is made out to?

No, you cannot make changes to a completed money order. Any form of alteration or correction will result in ineligibility for cashing.

What do you do if you mess up a money order?

Making a Mistake on Money Order Many money order providers and cashiers won’t let you correct the mistake yourself. Changing information on the completed money order will make the order ineligible for cashing; the official policy is that money orders must be canceled and/or refunded if there is a mistake.

Can you cash a money order if it’s filled out?

What if I already filled out the money order but no longer need it for the payment I was going to make? If the money order is not altered and in good condition, you may try to cash the money order at your bank or a check cashing store. We suggest that you contact your bank or check casher before going to the location.

Can I cash a money order that I purchased?

Head to the Original Location. Take the money order back to its place of purchase to try to cash it. Many sellers of money orders, such as the U.S. Postal Service, cash them if they have the cash on hand, while some sellers might not cash them at all. However, calling the location and asking can’t hurt.

How do I cancel a money order and get money back?

With most money order issuers, including USPS, Western Union, and MoneyGram, you can cancel the payment. 1 2 To do so, either fill out a form or take the money order back to the place you originally bought it. Bring identification and any information you have about the money order to start the process.

Can I deposit a money order into my bank account?

Money orders do not include personal information, such as your bank’s routing number and your bank account number. The recipient can cash the order at a local bank or credit union—there’s no requirement to go to the issuer to have it cashed. Money orders can also be deposited into a bank account, for no fee.

Do you need the receipt to cash a money order?

Cashing the Money Order. Bring identification. The bank won’t cash the money order without acceptable proof that you are the person who is supposed to receive the funds. Some banks and check-cashing stores also may request your right thumbprint next to your signature on the money order.

Can I electronically deposit a money order?

Buy a money order If your online bank has an electronic scan feature, you can snap a photo and upload the money order to your account for deposit. If your bank doesn’t have this feature, you can mail it to the bank’s headquarters for deposit.

Can you deposit a money order in an ATM?

If you don’t need the money right away and you have a bank account, consider depositing it. Banks accept U.S. Postal Service money orders as they would regular checks at branches, ATMs or even on a banking app with a mobile check deposit function. Don’t forget to sign the back of the money order before depositing.

Can you buy a money order with a debit card?

You can send up to $1,000 in a single order anywhere in the United States. Go to any Post Office location. Take cash, a debit card, or a traveler’s check. You cannot pay with a credit card.

Can you cash a money order at Walmart?

Walmart will cash MoneyGram money orders. Check Cashing fees may apply. For purchases over $1,000 a valid government-issued photo ID is required. Buy money orders from a Walmart store in the amount needed.

What grocery store cashes money orders?

A select few grocery stores cash money orders, including Giant Eagle, Food Lion and Food Land. In addition, some chain stores, such as CVS and Ace Check Cashing, also cash money orders. A money order is similar to a check in that it represents an amount of funds in someone else’s bank account.

How does a money order work at Walmart?

A Walmart money order is essentially a prepaid check or bank certificate. To get a money order, you pay the amount of the money order to the issuer, plus a small fee. Then you’ll be issued the money order, which will typically include the name of both the recipient and the issuer.

How long do you have to cash a money order?

one to three years

What happens if you don’t cash a money order?

If the money order has been cashed, the issuer will not replace it or refund the purchase amount. But if the money order goes missing, you have a good chance of getting your money back—minus a fee and a few weeks’ delay—as long as it hasn’t been cashed.

What happens to a money order if it is not cashed?

Most will require you to contact the issuer and provide specific details about the money order, such as its serial number, so they can track down its status and see if it has been cashed or not. If it hasn’t been cashed yet, you will likely be able to cancel the order and get a refund or replacement money order.

Do I have to wait 24 hours to cash a money order?

Go to the service desk/money center like you’re cashing a regular check. If the money order was printed the same day, it’s not in the system yet and they won’t cash it. You’ll have to wait 24 hours. After that, it’s the same process as cashing a regular payroll check.

Do money orders clear immediately?

The cashier’s check and money order cleared the fastest — the money was immediately available since both of them are considered guaranteed funds. It’s also safer than a personal check.

How can I cash a money order without a bank account?

A money order is similar to a check, except that it’s prepaid. Like checks, you can deposit money orders into a bank account. But if you don’t have a bank account or don’t want to use your bank account to cash a money order, you can still cash it at a post office or a check-cashing store.

How can I cash a money order not in my name?

If you don’t have any ID, you can endorse the money order to someone else, like a sibling or friend, who does have an ID. Then they can cash it for you. Don’t forget that you’ll probably face some service fees to cash the money order.

Can you make a money order out to yourself?

Short Answer: You can make a money order out to yourself, but you can’t alter a money order after it’s been made out to someone else. To write a money order to yourself, you’ll write your name as both the purchaser and the recipient.

How do I fill out a postal money order myself?

Here are the steps to follow when you fill it out:

  1. Fill in the name of the recipient.
  2. Include your address in the purchaser section.
  3. Write the account or order number in the memo field.
  4. Sign your name in the “purchaser’s signature” section.

What is the money order limit at Walmart?

$1,000

Источник: https://www.mvorganizing.org/can-i-cross-out-a-name-on-a-money-order/

Money

*A fee of 1% + $1 applies to cashing payroll checks, recurring government benefits, and PLS money orders up to $1,000. Rates for cashing greater checks, other types of checks, and other money orders will vary based on the type and amount of the check and other risk factors. Ask a store associate for fee information.
There is no charge to purchase money orders. There is a $0.25 service fee for PLS to complete the remitter or payee field.  
Bill pay fees vary based on the type of bill being paid. Call or visit a check cashing store for details.
§The Western Union name, logo, and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.
**Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding.
PLS is a registered service mark of PLS Financial Services, Inc. ©2021.

Источник: https://pls247.com/il/money.html

Lost Money Order? How to Cancel It and Get Your Cash

A lost money order can be a financial headache. Learn what to do if your money order is lost or stolen.

Our articles, research studies, tools, and reviews maintain strict editorial integrity; however, we may be compensated when you click on or are approved for offers from our partners.

Lost-Money-Order

Money orders can be a convenient way to pay bills or make payments to individuals. For example, if you plan to buy a car, you could pay the seller using a money order. Or if someone owes money to you, they might use a money order to pay.

A lost or stolen money order, however, can be a source of financial stress if you’re worried about how to get the money back. While a lost money order may be an inconvenience, there are some things you can do to try to recover your cash.

Here’s more on how to track a money order and what your options are when one is lost or stolen.

Compare checking account offers

What Is a Money Order?

A money order is an alternative form of payment you can use in place of checks or cash.

You can purchase money orders at a variety of places, including the postal service, Walmart and money order issuers such as Western Union. It’s also possible to get a money order at your bank or credit union.

The maximum dollar amounts allowed for money orders and the fees you pay to purchase them can vary based on where you buy them.

Can You Cancel a Money Order?

The short answer is yes, you can cancel a lost money order. The issuer should have a cancellation process that outlines what steps you need to take to recover your cash when a money order goes missing.

But there’s a catch.

Typically, you can only cancel a money order if it hasn’t been cashed yet. This is similar to how a stop payment works with a checking account.

If the money order has been cashed already, then it could be more difficult to get your money back or get a replacement money order. The only way you might be able to get your money back then is if you can prove that someone cashed the money order fraudulently.

You need to try and get a copy of the cashed money order and report it to law enforcement. If the money order was stolen and the authorities are able to track the person down, that might give you a better shot at getting the cash back.

How to Cancel a Money Order

If you need to cancel a money order because it’s lost or stolen, there are certain steps to follow. The cancellation process can vary based on where it was purchased. But generally speaking, here’s what you need to do:

1. Contact the issuer of the money order

The first thing to do if you’re sure that your money order is lost is to contact the issuer. The issuer will be able to tell you how to cancel a money order and what to do next.

Again, this can vary based on where the money order was issued. For example, if you purchased a USPS money order, you’d need to visit your nearest post office location to request a cancellation.

If you purchased a MoneyGram money order at Walmart, you can’t place a Walmart cancel order directly. Instead, you have to request a cancellation or replacement money order through MoneyGram.

If you need to cancel a Western Union money order, the way you can do it depends on how the money was sent. You can cancel your money order:

  • In person at a Western Union location (if you purchased a money order in person)
  • Over the phone
  • Through the Western Union mobile app (for an online money order)

When you contact the issuer, explain that you need to cancel a money order and why. It helps to give as much detail as possible explaining how the money order was lost or stolen.

2. Fill out the cancellation request form

Unless you have the option to cancel a lost or stolen money order over the phone, you typically need to complete a cancellation request form with the money order issuer.

Depending on the issuer of the money order, you may need your original receipt to submit a cancellation request. The cancellation request form will ask you for specific details, including:

  • The date the money order was purchased
  • The money order amount
  • The location that the money order was purchased
  • The money order’s tracking number

All of this should be included on your receipt. If you don’t have the original receipt, you can still submit a cancellation request form using the information you can remember. The money order issuer may also ask for the name of the person or business that you intended to send the money order to.

3. Pay the money order cancellation fee

If you need to cancel a money order, the issuer of the money order may charge a cancellation fee to do so. This fee can vary based on from where you purchased the money order.

Here’s a quick breakdown of what you can expect to pay for money order cancellation fees at some of the top money order issuers:

  • Walmart (MoneyGram): $18
  • Western Union: $15 if you have your original receipt; $30 if you do not
  • USPS Money Order: $6.25

Different fees may apply if you purchased a money order at your bank or credit union. If you want to get a money order refund from your bank, first contact customer service to find out whether that is possible. Then, ask what you might pay for a cancellation fee and how to submit a cancellation request form.

4. Allow your cancellation request time to process

If you have to cancel a money order, you may not be able to get the money back right away. A money order refund could take several days or even several weeks to process.

Western Union, for example, can take up to 30 days to give you your money back if you canceled a money order and had your original receipt. Without your receipt, on the other hand, processing could take up to six to eight weeks.

Once your request is approved, you can receive a replacement money order. Depending on the issuer, you may receive an online money order or be mailed a paper one.

Or you could ask for a money order refund if you just want the cash back. There may be a separate fee you have to pay to get a lost or stolen money order refunded. The processing times may be about the same, depending on the issuer’s refund policies.

How to Track a Money Order

If you’re worried about a money order that you’ve sent to someone being lost or stolen, or you’re due to receive a money order, you should be able to track it through the issuer.

  • Western Union Tracking

    You can track Western Union money orders online, either as the sender or the receiver. You just need to enter in the Western Union tracking number that’s assigned to the money order to find out where it is.

  • Walmart (MoneyGram) Money Order Tracking

    If you want to track Money Gram money orders purchased at Walmart or another location, you can do so through the MoneyGram website. You need to have the serial number and the dollar amount to track Money Gram money orders online.

  • USPS Money Order Tracking

    If you want to track a money order USPS issued, you can also do that online. You need to have the money order’s serial number, the post office number where it was purchased and the dollar amount to track it.

The options for tracking money orders purchased elsewhere can depend on where they were purchased.

Money Order FAQs

Does CVS do money orders?

Yes, they do. Like Walmart, CVS offers money orders through MoneyGram. This means if a money order purchased from CVS is lost or stolen, you’d need to contact MoneyGram to cancel it or have it replaced.

Is sending or getting paid by money order safe?

Money orders can be a safe and secure way to send money. For example, if someone is sending you a money order instead of a check, you don’t have to worry about its bouncing because it’s already been funded. But if you’re sending or receiving a money order, it’s important to make sure you’re tracking it to minimize the risk of its being lost or stolen.

What other options are there for sending money?

If you’re worried about a money order being lost or stolen, there are other ways to send money. Opening a checking account, for example, can make it easier to write checks, schedule ACH payments or make person-to-person payments online.

When comparing checking accounts, be sure to research the fees, features and benefits, as well as the other products and services a bank or credit union offers. This can help you find the right checking account for your needs and budget.

About Author

Rebecca Lake

Источник: https://www.moneyrates.com/checking/can-you-cancel-a-money-order.htm

What Is a Bank Money Order?

When you make a purchase, either online or in person, you may pay for it with cash, with a personal check, or with a credit or debit card. However, bank money orders, which are prepaid checks you purchase from a bank, are a more secure way to pay for purchases, as they are guaranteed not to bounce. They are an ideal option for individuals who don't have checking accounts, yet want a safe way to pay their bills, including rent and utilities.

Money Order Definition

A bank money order is a type of payment issued by a banking institution for a pre-determined amount. When you purchase a bank money order, you pay in advance the funds backing the payment. Because you prepay the funds, bank money orders are more secure than personal checks for making payments.

Information on a Money Order

When you purchase a bank money order, the bank will print the payment amount on a piece of paper that looks very similar to a personal check, but usually with the bank's logo and contact information displayed on the front. The money order typically has blank spaces for you to write in your contact information such as your name and address. It also has space for you to write in the name and address of the person you intend to receive the money order. Some banks will print your contact information and the recipient's information for you, depending on the bank's individual policies.

Banks typically take other security measures on printed money orders, such as unique watermarks and special tracking codes that allow purchasers and banks to track whether the recipient cashed the money order.

How to Purchase Money Orders

You can purchase a money order from a bank in one of two ways. If you purchase the money order at a bank at which you have a pre-existing account, the bank can withdraw the funds directly from your account to fund the money order. You can also purchase a money order with cash or a credit card from any bank, even if you don't have an account at that bank. However, some banks will only sell money orders to account holders at that bank.

You can complete both of these transactions at any physical bank location by walking in and requesting a money order purchase from a bank teller.

How to Use Money Orders

You may use a money order to pay for purchases in the same way that you would use a personal check. Most money orders have a detachable stub with a tracking number. Should the money order be lost or stolen, the bank can trace where it paid on or deposited using the tracking number. When you send a money order as a payment for goods or services, keep the stub as a way to track it for security purposes.

You may also cash a bank money order in the same way you would cash a check. You may exchange it for cash at any branch of the issuing bank, or deposit it into your own checking account and wait for its funds to clear. Funds from a deposited bank money order may take up to ​24 hours​ to clear, says the Consumer Financial Protection Bureau, depending on the time of day you made the deposit.

Fees and Limitations

Most banks charge you a fee to purchase a money order. This fee is usually between ​$0.50 and $10​, reports My Bank Tracker, but may vary depending on the amount of the money order and the individual bank. Some banks waive the fee if you have an account with the bank, or if you're funding the money order with funds from your account at the bank.

Some banks institute a money order limit for which you can purchase a money order. Banks typically limit the maximum amount for which they will issue a bank money order. If you need a money order in a denomination that is greater than the maximum amount, you must purchase several money orders from the bank to total the amount you need.

References

Resources

Writer Bio

Andrea Ruiz has written professionally for blogs, online entertainment magazines and television network websites for more than a decade. Ruiz has also been a web and social media developer, Internet business consultant and computer programmer since 1999, and worked for four years as a professional community manager. Ruiz holds a Bachelor of Arts from University of Massachusetts, Boston.

Источник: https://pocketsense.com/bank-money-order-7920595.html

What Is a Bank Money Order?

When you make a purchase, either online or in person, you may pay for it with cash, with a personal check, or with a credit or debit card. However, bank money orders, which are prepaid checks you purchase from a bank, are a more secure way to pay for purchases, as they are guaranteed not to bounce. They are an ideal option for individuals who don't have checking accounts, yet want a safe way to pay their bills, including rent and utilities.

Money Order Definition

A bank money order is a type of payment issued by a banking institution for a pre-determined amount. When you purchase a bank money order, you pay in advance the funds backing the payment. Because you prepay the funds, bank money orders are more secure than personal checks for making payments.

Information on a Money Order

When you purchase a bank money order, the bank will print the payment amount on a piece of paper that looks very similar to a personal check, but usually with the bank's logo and contact information displayed on the front. The money order typically has blank spaces for you to write in your contact information such as your name and address. It also has space for you to write in the name and address of the person you intend to receive the money order. Some banks will print your contact information and the recipient's information for you, depending on the bank's individual policies.

Banks typically take other security measures on printed money orders, such as unique watermarks and special tracking codes that allow purchasers and banks to track whether the recipient cashed the money order.

How to Purchase Money Orders

You can purchase a money order from a bank in one of two ways. If you purchase the money order at a bank at which you have a pre-existing account, the bank can withdraw the funds directly from your account to fund the money order. You can also purchase a money order with cash or a credit card from any bank, even if you don't have an account at that bank. However, some banks will only sell money orders to account holders at that can i get a money order from my bank can complete both of these transactions at any physical bank location by walking in and requesting a money order purchase from a bank teller.

How to Use Money Orders

You may use a money order to pay for purchases in the same way that you would use a personal check. Most money orders have a detachable stub with a tracking number. Should the money order be lost or stolen, the bank can trace where it paid on or deposited using the tracking number. Can i get a money order from my bank you send a money order as a payment for goods or services, keep the stub as a way to track it for security purposes.

You may also cash a bank money order in the same way you would cash a check. You may exchange it for cash at any branch of the issuing bank, or deposit it into your own checking account and wait for its funds to clear. Funds from a deposited bank money order may take up to ​24 hours​ to clear, says the Consumer Financial Protection Bureau, depending on the time of day you made the deposit.

Fees and Limitations

Most banks charge you a fee to purchase a money order. This fee is usually between ​$0.50 and $10​, reports My Bank Tracker, but may vary depending on the amount of the money order and the individual bank. Some banks waive the fee if you have an account with the bank, or if you're funding the money order with funds from your account at the bank.

Some banks institute a money order limit for which you can purchase a money order. Banks typically limit the maximum amount for which they will issue a bank money order. If you need a money order in a denomination that is greater than the maximum amount, you must purchase several money orders from the bank to total the amount you need.

References

Resources

Writer Bio

Andrea Ruiz has written professionally for blogs, online entertainment magazines and television network websites for more than a decade. Ruiz has also been a web and social media developer, Internet business consultant and computer programmer since 1999, and worked for four years as a professional community manager. Ruiz holds a Bachelor of Arts from University of Massachusetts, Boston.

Источник: https://pocketsense.com/bank-money-order-7920595.html

Lost Money Order? How to Cancel It and Get Your Cash

A lost money order can be a financial headache. Learn what to do if your money order is lost or stolen.

can i get a money order from my bank Our articles, research studies, tools, and reviews maintain strict editorial integrity; however, we may be compensated when you click on or are approved for offers from our partners.

Lost-Money-Order

Money orders can be a convenient way to pay bills or make payments to individuals. For example, if you plan to buy a car, you could pay the seller using a money order. Or if someone owes money to you, they might use a money order to pay.

A lost or stolen money order, however, can be a source of financial stress if you’re worried about how to get the money back. While a lost money order may be an inconvenience, there are some things you can do to try to recover your cash.

Here’s more on how to track a money order and what your options are when one is lost or stolen.

Compare checking account offers

What Is a Money Order?

A money order is an alternative form of payment you can use in place of checks or cash.

You can purchase money orders at a variety of places, including the postal service, Walmart and money order issuers such as Western Union. It’s also possible to get a money order at your bank or credit union.

The maximum dollar amounts allowed for money orders and the fees you pay to purchase them can vary based on where you buy them.

Can You Cancel a Money Order?

The short answer is yes, you can cancel a lost money order. The issuer should have a cancellation process that outlines what steps you need to take to recover your cash when a money order goes missing.

But there’s a catch.

Typically, you can only cancel a money order if it hasn’t been cashed yet. This is similar to how a stop payment works with a checking account.

If the money order has been cashed already, then it could be more difficult to get your money back or get a replacement money order. The only way you might be able to get your money back then is if you can prove that someone cashed the money order fraudulently.

You need to try and get a copy of the cashed money order and report it to law enforcement. If the money order was stolen and the authorities are able to track the person down, that might give you a better shot at getting the cash back.

How to Cancel a Money Order

If you need to cancel a money order because it’s lost or stolen, there are certain steps to follow. The cancellation process can vary based on where it was purchased. But generally speaking, here’s what you need to do:

1. Contact the issuer of the money order

The first thing to do if you’re sure that your money order is lost is to contact the issuer. The issuer will be able to tell you how to cancel a money order and what to do next.

Again, this can vary based on where the money order was issued. For example, if you purchased a USPS money order, you’d need to visit your nearest post office location to request a cancellation.

If you purchased a MoneyGram money order at Walmart, you can’t place a Walmart cancel order directly. Instead, you have to request a cancellation or replacement money order through MoneyGram.

If you need to cancel a Western Union money order, the way you can do it depends on how the money was sent. You can cancel your money order:

  • In person at a Western Union location (if you purchased a money order in person)
  • Over the phone
  • Through the Western Union mobile app (for an online money order)

When you contact the issuer, explain that you need to cancel a money order and why. It helps to give as much detail as possible explaining how the money order was lost or stolen.

2. Fill out the cancellation request form

Unless you have the option to cancel a lost or stolen money order over the phone, you typically need to complete a cancellation request form with the money order issuer.

Depending on the issuer of the money order, you may need your original receipt to submit a cancellation request. The cancellation request form will ask you for specific details, including:

  • The date the money order was purchased
  • The money order amount
  • The location that the money order was purchased
  • The money order’s tracking number

All of this should be included on your receipt. If you don’t have the original receipt, you can still submit a cancellation request form using the information you can remember. The money order issuer may also ask for the name of the person or business that you intended to send the money order to.

3. Pay the money order cancellation fee

If you need to cancel a money order, the issuer of the money order may charge a cancellation fee to do so. This fee can vary based on from where you purchased the money order.

Here’s a quick breakdown of what you can expect to pay for money order cancellation fees at some of the top money order issuers:

  • Walmart (MoneyGram): $18
  • Western Union: $15 if you have your original receipt; $30 if you do not
  • USPS Money Order: $6.25

Different fees may apply if you purchased a money order at your bank or credit union. If you want to get a money order refund from your bank, first contact customer service to find out whether that is possible. Then, ask what you might pay for a cancellation fee and how to submit a cancellation request form.

4. Allow your cancellation request time to process

If you have to cancel a money order, you may not be able to get the money back right away. A money order refund could take several days or even several weeks to process.

Western Union, for example, can take up to 30 days to give you your money back if you canceled a money order and had your original receipt. Without your receipt, on the other hand, processing could take up to six to eight weeks.

Once your request is approved, you can receive a replacement money order. Depending on the issuer, you may receive an online money order or be mailed a paper one.

Or you could ask for a money order refund if you just want the cash back. There may be a separate fee you have to pay to get a lost or stolen money order refunded. The processing times may be about the same, depending on the issuer’s refund policies.

How to Track a Money Order

If you’re worried about a money order that you’ve sent to someone being lost or stolen, or you’re due to hdfc netbanking india a money order, you should be able to track it through the issuer.

  • Western Union Tracking

    You can track Western Union money orders online, either as the sender or the receiver. You just need to enter in the Western Union tracking number that’s assigned to the money order to find out where it is.

  • Walmart (MoneyGram) Money Order Tracking

    If you want to track Money Gram money orders purchased at Walmart or another location, you can do so through the MoneyGram website. You need to have the serial number and the dollar amount to track Money Gram money orders online.

  • USPS Money Order Tracking

    If you want to track a money order USPS issued, you can also do that online. You need to have the money order’s serial number, the post office number where it was purchased and the dollar amount to track it.

The options for tracking money orders purchased elsewhere can depend on where they were purchased.

Money Order FAQs

Does CVS do money orders?

Yes, they do. Like Walmart, CVS offers money orders through MoneyGram. This means if a money order purchased from CVS is lost or stolen, you’d need to contact MoneyGram to cancel it or have it replaced.

Is sending or getting paid by money order safe?

Money orders can be a safe and secure way to send money. For example, if someone is sending you a money order instead of a check, you don’t have to worry about its bouncing because it’s already been funded. But if you’re sending or receiving a money order, it’s important to make sure you’re tracking it to minimize the risk of its being lost or stolen.

What other options are there for sending money?

If you’re worried about a money order being lost or stolen, there are other ways to send money. Opening a checking account, for example, can make it easier to write checks, schedule ACH payments or make person-to-person payments online.

When comparing checking accounts, be sure to research the fees, features and benefits, as well as the other products and services a bank or credit union offers. This can help you find the right checking account for your needs and budget.

About Author

Rebecca Lake

Источник: https://www.moneyrates.com/checking/can-you-cancel-a-money-order.htm

Where to Get a Money Order

Money orders are available from post offices, retail stores, and financial institutions such as banks and credit unions. In most cities and towns, you should have multiple sources available nearby. Here’s a quick overview of your options, along with some tips for making payments.

Places to Buy Money Orders

When you're deciding where to get a money order, think about fees, service, and location. Each option will have tradeoffs; your choice will depend on which factors matter most to you.

Retail Stores

Grocery stores, big-box stores, pharmacies, and convenience stores often provide money orders. While you’re out running errands, look for a MoneyGram or Western Union logo at stores such as CVS, Kmart, Safeway, Publix, Kroger, Meijer, and 7-Eleven, among others. Your fee to purchase a money order will vary by store; at Walmart, the maximum fee is $1, but costs may vary at different locations. Typically, you can expect to pay $1 to $2 (or even less) per money order when you buy at other retail stores that offer this service.

If convenience or cost matters most to you, it's probably best to get a money order at a retail store.

Banks and Credit Unions

Your bank is also an excellent option for money orders. Banks will generally charge their account holders a fee for each money order, usually about $5 to $10. But if you're a top-tier account holder, they may waive the fee for you.

Buying a money order at a bank may cost a few dollars more than buying at the store, but if you only buy money orders occasionally, the difference won't amount to much. For more frequent purchases, you'll probably want to find an alternative.

The main benefit of a bank or credit union money order is customer service—they can make tracking the money order easier for you.

Some banks may only offer cashier’s checks instead of money orders, but your payee might not care which one you use. Be sure to check with them before you buy them.

U.S. Postal Service

U.S. Postal Service (USPS) money orders are another good choice. These money orders have a reputation around the world for being safe. However, getting a USPS money order can be hard—not all post offices issue money orders, so call ahead to confirm. Even if yours does, you might find yourself waiting in line. USPS money orders cost $1.45 for amounts up to $500 and $1.95 for amounts between $500.01 and $1,000.

Also, as of Aug. 30, 2019, USPS no longer issues or accepts money orders between the U.S. and Canada.

Money Stores

Establishments that deal with money (besides banks and credit unions) might also sell money orders. Western Union agents, payday loan shops, and other money transfer services are often conveniently located, too.

Some websites promise that you can get money orders online, but it can be difficult and even risky to do so. It’s important to work with a business that both you and your payee trust—you don’t want to get scammed, pay too much, or have your payee worry about whether or not the money order is legitimate.

How Much Does It Cost?

The price of a money order varies from location to location. Retail stores tend to cost less, and banks typically charge more. Keep in mind that issue limits might mean you have to buy multiple money orders, paying the fee for each one. For example, if you need to send someone $3,000—and the maximum money order issue amount is $1,000—you'll need to pay three fees to get three money orders.

How to Buy

Before you buy, make sure you know who you'll be paying and how much money you'll need.

Payment Options

To purchase a money order, you typically need to pay with cash or a debit card. You generally can’t just write a personal check or use a credit card to purchase a money order, because issuers can’t be certain whether or not your check will bounce or whether you’ll file a chargeback with your card issuer. As a result, they only issue money orders after you pay with guaranteed funds.

Some issuers claim that you can use a credit card to buy a money order, but you're probably just getting a cash advance from your card. Cash advances are typically an expensive way to borrow because they come with hefty fees, and credit card companies charge high interest rates on those balances.

Filling Out the Form

To complete a money order, you need to know who it’s payable to. Provide a specific name for the person or organization you’re paying, and avoid making money orders payable to cash. The process of filling out the form is similar to writing a check.

Consider Alternatives

There may be better tools than a money order for making payments in your situation. Money orders often do what you need, but they cost money to buy, and it can be a hassle to purchase them in person. If a seller or recipient requires you to use a money order, you don't have any choice. But if you have the option to pay another way, it's worth considering.

If you're using money orders as a substitute for a personal checking account, you may have better alternatives available.

Checking Accounts

Evaluate whether it's worth opening a checking account. Many banks and credit unions offer free checking, so you won't necessarily have to pay fees. Even if you end up paying modest charges, a bank account can still save you significant time and money if you’re already paying fees (and waiting in line) to buy money orders.

Prepaid Cards

If using a bank isn't an option for you (or if you prefer not to work with banks), prepaid cards offer some of the same features as checking accounts—without the need to pay bank fees or get approved. In particular, you can use these accounts to pay bills, which might mean you need fewer money orders in the future. Some even offer check writing or cash back.

Keep That Receipt

No matter where you purchase a money order, keep your receipt in a safe place until you're certain that you won't need a refund. If the money order goes missing or your plans change, you'll likely need that receipt to have the money order canceled. Without it, you may be out of luck, or you’ll face additional delays and costs to get your money back.

How Does a Money Order Work?

A money order is a type of guaranteed payment. You pay a bank or other issuing institution the amount of the money order plus a fee in order to get a check made out to your recipient that's guaranteed by the issuer. This gives the payee more confidence than a personal check does that your payment won't bounce.

How Do You Track a Money Order?

To track a money order and see if has been cashed, you'll need to contact the bank or company that issued it. You may need to visit in person or call over the phone, and you'll need to have the money order number and amount. Be prepared to pay a fee for this service.

How Do I Cancel a Money Order?

In some cases, such as when a money order has gone missing, you may need to cancel the payment and get a refund. To cancel a money order, contact the issuer and provide the money order number and amount. You might also need to show a receipt, and the issuer will charge a cancelation fee.

Источник: https://www.thebalance.com/where-can-i-get-a-money-order-315056

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Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

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Some institutions accept credit card payments for money orders, while others don’t. It’s up to you to decide if it’s worth it.

The easiest way to find out whether you can purchase a money order with a credit card is to ask. But watch out — if you use your card to make your purchase, you may end up paying more than you expect.

That’s because many credit card companies consider money orders to be cash advances, which typically have fees of as much as 5% of the transaction amount, plus higher interest rates attached to them.

If you want to avoid these additional expenses, consider using a different payment method, such as cash, a debit card or traveler’s checks, to buy your money order.

But before you decide what type of payment is best for you, let’s explore how money orders work and why you might need one.

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What is a money order?

A money order is a guaranteed payment for a specific dollar amount that can be used to pay bills or send money to specific people. You can use money orders just like cash. But unlike cash, you’ll receive a receipt that allows you to track your funds or report your money order lost or stolen.

In general, money orders are limited to less than $1,000. If you need more than that, you’ll typically need to buy multiple money orders or choose a different form of payment.

What’s the difference between a money order, personal check and cashier’s check?

Not sure which payment method is best for your situation? Let’s examine three different options.

  • Money order. Money orders are the equivalent of cash. Unlike personal checks, they’re prepaid, so there is little to no risk they will bounce. Because they’re typically capped at $1,000, money orders may be a good choice for paying small bills (like utilities or cable), making purchases under $1,000, or sending money to family and friends.
  • Personal check. Unlike money orders, personal checks are not prepaid. When you write a check, you’re promising to pay an individual or business a certain amount of money. The money is withdrawn from your bank account when the check is cashed or deposited by the recipient. If you don’t have enough money in your account to cover the amount of the check, it can’t be processed, and the recipient doesn’t get paid, which may mean extra fees for you. Plus, passing a bad check can be illegal, so make sure you’re not writing a check knowing you won’t have sufficient funds to cover it. Since checks aren’t capped at a certain dollar amount, they can be used for larger purchases and situations where guaranteed payment is not required.
  • Cashier’s check. This type of check is issued by a financial institution, such as a bank or credit union, not an individual. Unlike a personal check, the financial institution guarantees the availability of the money. If you need one, you pay the amount of the check plus a service fee. Cashier’s checks are a good option for larger purchases that require guaranteed funding.

Why you might need to buy a money order

If you’ve got the cash on hand, you may wonder why a money order might be necessary. Here are a few reasons.

  • Sending money in the mail. If you need to send payment by mail, a money order offers more security than sending cash or a check. If your cash gets lost or stolen, it’s gone for good. But with a money order, you may be able to stop payment, though it may not be a simple process and will likely require additional fees. Also, money orders don’t contain sensitive financial information that can be stolen — unlike checks.
  • Sending money to another country. Money orders can make it easier to send money abroad. If the bank or credit union issuing the money order has locations in multiple countries, you could buy a money order in one country and have your recipient cash it in a different one. The U.S. Postal Service also offers international money orders for select countries.
  • It’s required. Many people don’t want to walk around with large sums of cash in their pockets. And they may not be willing to accept a personal check because they don’t want to take the chance it will bounce. In situations like these, money orders are generally a safe and trusted alternative to cash or personal checks.
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Where can I get a money order?

You can buy money orders at a variety of different locations, including post offices, retail stores (such as Walmart), banks and credit unions, grocery stores and convenience stores. The fee to purchase one varies based on the amount of the money order and where you buy it. Most cost in the range of less than a dollar up to about $5, and some banks waive the fee if you have certain types of accounts with them.

Can I buy a money order online?

No. Generally, a money order is a paper document that needs to be purchased in person. It can be mailed or delivered to make a payment. If you want to transfer money online, there are other services that allow you to do so.

What are the pros and cons of using a credit card to buy a money order

If you don’t have the cash on hand to buy a money order, using your credit card may seem like a simple solution. With a swipe of your card, you could have your money order in minutes. But you may also rack up cash advance fees and interest charges that may have higher rates than your other credit card debt.

“Typical APRs for cash advances … can greatly affect a user’s ability to pay off the balance of the advance — especially for those who have a history of making the minimum payment on pre-existing debts,” says Jeff Can i get a money order from my bank, personal finance expert and co-founder of DollarSprout.com.

If you have no other option than to use your credit card, be sure to make your payments on time to avoid late fees and the negative impact that late payments may have on your credit scores. And consider making more than the minimum payment to reduce the amount you’ll pay in interest.


Bottom line

Although it’s possible to buy a money order with a credit card, it’s almost never a good idea because of the extra fees and interest charges you’ll accrue.

“I can’t think of a single good reason [to buy a money order with a credit card],” Proctor says. “In most instances, it would be recommended that [consumers] utilize cash-based methods to purchase their money orders.”

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About the author: Jennifer Brozic is a freelance financial services writer with a bachelor’s degree in journalism from the University of Maryland and a master’s degree in communication management from Towson University. She’s committed… Read more.

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Источник: https://www.creditkarma.com/credit-cards/i/money-order-credit-card

Last Updated on August 17, 2021 by pf team

If you don’t have a checking account or if you need to make a payment with guaranteed funds you need a money order.

If you wonder, what is a money order? how to get a money order? or where to get a money order near me? then keep reading to find out the answers.

Fortunately, there are plenty of good places to get a money order and you’ll probably find several nearby.

money order near me

What is a money order

A money order is a paper document you can use to make payments or send money to someone, similar to how you would use a check.

One big difference, however, is that money orders represent guaranteed funds for the recipient.

The provider guarantees the funds because you make the money order purchase in cash, in most cases, or by direct bank debit.

For people who don’t have a checking account, money orders can become a necessity, but money orders can be valuable in several other situations as well.

6 Reasons to use a money order

  • Money orders are safer than sending cash. If a money order becomes lost, you may have some recourse. With cash, you have no protection.
  • A money order creates a paper trail. If needed, you can find out when a money order was cashed and who cashed it. Money orders provide a record of payment.
  • Money orders also protect your bank account number. A check lists your name, routing number, and account number, which are tools someone can use for fraudulent activity. Money orders keep your bank information private.
  • You make the payment with guaranteed funds. Sometimes, you can’t use a standard check to make payment. For example, some landlords require you to pay the initial rental security deposit in guaranteed funds, like a money order or certified check. Money orders are usually less expensive than certified checks which makes them a good option.
  • You don’t have a checking account. Some people don’t have a checking account at all. Money orders provide an affordable alternative when you need to send money to someone else. Money orders are widely accepted. Even the IRS accepts money orders.
  • You’re sending money to another country. If you’re sending money to someone outside the US, a money order is among the safest and least expensive ways to send money to another country.

How to get a money order

  • Choose a trusted provider. In the next section, you’ll find a full rundown of some of the best places to get a money order.
  • Choose your payment method. Most providers accept cash or debit transactions. Some may accept credit cards but there may be a catch. The transaction might be treated as a cash advance, which usually has a different interest rate and rarely has a grace period. A cash advance fee may also apply. Unintentional cash advances can be difficult to pay off and are costly over time. You may also have lower borrowing limits for cash advance transactions.
  • Tell the clerk how the amount you need for your money order. Expect to pay a fee for the money order, although the fees are usually inexpensive. For example, if you need to send $200, you might pay an extra dollar or two, depending on where you purchase your money order.
  • Fill out the money order completely. Money orders may use different fields, but you should fill out all the fields intended for the purchaser. For example, a USPS money order has fields for the payee as well as their address. It also has fields for your name and address. In the memo field, indicate what the money order is for, like July rent, for example.
  • Save your receipt. If there’s a problem with the money order or if the money order becomes lost, your receipt will prove invaluable if you need to cancel the money order or get a replacement.

Where to get a money order

From money service can i get a money order from my bank to pharmacies and supermarkets, you’ll probably find several good places to buy a money order within a short distance from home.

1. MoneyGram

money order from money gram

As one of the largest money order providers in the US, MoneyGram boasts thousands of locations and offers reasonable fees.

For a small cost of 70 cents, you can purchase a money order of up to $1,000. MoneyGram accepts cash or debit cards for money order purchases.

2. Western Union

money order from western union

The company famous for sending money to other cities or countries around the world also sells money orders — and the pricing is reasonable.

In most cases, you can expect to pay about $1 for a money order of up to $1,000. Western Union recommends using cash or debit cards to avoid credit card cash advance charges.

3. US Postal Service (USPS)

money order from us postal service

The USPS is the largest single source for money orders largely because of trust but also due to convenience. If there’s a gold standard for money orders it’s the USPS money order.

Having locations everywhere in the country is also helpful. Fees vary depending on the amount of the money order. You’ll pay $1.25 for a money order of up to $500.

Money orders between $500.01 and $1,000 cost $1.70. The USPS doesn’t accept credit cards for money order purchases.

4. Banks

money order from citi bank

Many banks and credit unions are moving toward electronic payment options but some still sell money orders. However, some banks only sell money orders if you have an account with that bank. Think of bank money orders as a convenience rather than their primary focus.

Wells Fargo

While pricier than some other options, Wells Fargo offers money orders for up to $1,000 at its locations. You’ll pay $5.00 for the money order and Wells Fargo accepts cash. You can also use your account funds to buy the money order.

Citi

With a Citi Priority Account or a Citigold Account, you won’t pay fees for money orders, although there may be transaction limits. With other types of accounts, money orders will set you back $5.00 each. Like other options, the limit for a single money order is $1,000.

Chase

If you have a Premier Plus Checking account or Sapphire account with Chase, you won’t pay a fee for money orders of up to $1,000. For other account types, the fee is $5.00, $3.00 less than a cashier’s check.

5. Credit Unions

money order from navy federal credit union

Navy Federal Credit Union

Still the largest credit union in the US, Navy Federal Credit Union offers a wealth of services including money orders. However, money order fees are on the high side, with fees of up to $14.50. Service is provided through Western Union.

PenFed

Similar to Navy Federal Credit Union, PenFed provides money orders through Western Union. Expect to pay $12.00 for a money order.

SchoolsFirst FCU

Many credit unions shy away from money orders or discourage purchase with high fees. Not so for SchoolsFirst FCU. You can purchase a money order with a low $1 fee and you can get a copy of a cashed money order for $2.

6. Online

world remit

If you need to send money to someone in another country, there are some great online services that allow secure transactions.

WorldRemit

While you can’t purchase physical money orders from WorldRemit, you can send money in several other ways and the money will get to where it’s needed much faster than through the mail. Fees start at $3.99 for amounts of up to $5,000, which is higher than some other services. However, WorldRemit offers more payment options, including Apple Pay, Google Pay, and credit or debit cards.

Xoom

Similar to WorldRemit, Xoom is a money transfer service but has several delivery options. Xoom can applying for 2 chase credit cards the money directly into the recipient’s bank account. They also provide pick-up and delivery options. Xoom is a PayPal service, so you can use your PayPal balance in addition to bank transfers or credit cards to send up to $10,000. Xoom’s fees start at $2.99.

7. Department Stores

walmart

Walmart

With nearly 5,000 stores throughout the US, Walmart offers a convenient solution when you need a money order fast. Fees vary by location but the most you’ll pay is 88 cents for a MoneyGram money order through Walmart. Payment methods include cash or debit card and you can purchase money orders of up to $1,000.

Kmart

Money orders purchased at Kmart are Western Union money orders so you can be assured that they’ll be accepted nearly everywhere. Kmart allows money order purchases of up to $500. Fees vary but range from $1.25 or lower for a single money order. Bring cash or a debit card make your purchase.

8. Pharmacies

cvs pharmacy

CVS

If you need a money order for less than $500, your local CVS can be a great resource. You’ll pay 99 cents for a single money order and if you need to send more than $500, CVS allows multiple money order purchases. As with many money order providers, cash is king with CVS. Money orders are provided through MoneyGram, a trusted name in the business.

Rite Aid

Similar to CVS, Rite Aid sells MoneyGram money orders. The price is even the same at both pharmacy chains. For 99 cents you can purchase up to $500 on a single money order and multiple money orders are allowed, with a daily limit of $2,999. Rite Aid only accepts cash for money order purchases.

Walgreens

If CVS and Rite Aid offer money orders, you might be wondering about Walgreens as well. Walgreens doesn’t sell money orders but they do offer money transfers through Western Union. In some cases, a money transfer might work just as well. Fees can be high, however. You can send up to $6,000 and fees begin at $11.00 per transaction.

9. Grocery Stores

meijer

Meijer

If you live in Michigan or its neighboring states, you may have a Meijer store nearby. Meijer stores issue money orders through Western Union and fees are low at 65 cents for up to $500. Bring cash or a debit card.

Kroger

Another well-known grocery store with Western Union money orders, Kroger stores charge $1 for a money order of up to $1,000. However, you can get a discount if you have a shoppers card. Kroger accepts cash, debit, or credit cards.

Publix

You can also buy Western Union money orders at Publix. The chain limits single money order amounts to $500 and your cost is 85 cents per money order. Publix has over 1,200 stores throughout the southeast.

Vons

With locations in 35 states, Vons offers another convenient source for can i get a money order from my bank orders. The chain sells both MoneyGram and Western Union money orders and fees start at 89 cents. MoneyGram money orders have a limit of $500 while Western Union money orders are available for up to $1,000. Vons only accepts cash for money orders.

Safeway

You can also buy Western Union money orders at your local Safeway supermarket. Rates begin at 59 cents per money order but costs can vary by location. Most Safeway Stores only accept cash for money orders, although some may accept debit cards as well.

Giant Food Stores

Giant supermarkets offer Western Union money orders but limits and fees can vary by location. Generally, you can expect to pay about $1 for money orders of up to $500. You have to pay cash for your money order at Giant.

10. Convenience Stores

7 eleven

7-Eleven

Wherever you are, there’s usually a 7-Eleven can i get a money order from my bank. The nationwide chain sells both Western Union and MoneyGram money orders, depending on the store’s location. Fees are based on the dollar amount and are also percentage based. You’ll pay a minimum of 65 cents for a money order but in some cases, you may pay up to 3% of the face value. 7-Eleven requires cash payment and limits single money orders to $500.

QuikTrip

If you have a QuikTrip store nearby, you can buy a Western Union money order for $1.50. Limits are lower at $300 but a daily limit of $950 allows you to cover larger amounts with multiple money orders. QuikTrip accepts cash for payment.

11. National check cashing companies

ace cash express

ACE Cash Express

ACE sells MoneyGram money orders in amounts of up to $1,000, although limits may vary by state. Fees start at 89 cents per money order. ACE requires cash payment for money order purchases.

Advance America

You can also purchase MoneyGram money orders at your local Advance America. With over 1,900 locations and fees beginning at $1.49 Advance America may be a good option. Advance America only offers cash as a payment option.

Check'n Go

For less than $1, you can buy a money order at Check `n Go. The company boasts nearly 900 locations throughout the US.

Speedy Cash

Both MoneyGram and Western Union money orders are available through Speedy Cash. Cost varies by market.

Check Into Cash

Most stores offer Western Union services including money transfers and money orders. Expect amounts to follow Western Union agent limits of $1,000 per money order, although limits may be lower at some locations. Also, expect fees to run $1 to $2 per money order. Check into Cash accepts cash for money order purchases.

Money orders FAQ

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Can I deposit a money order at an ATM?

In most cases, you can deposit a money order at an ATM just like you would deposit a check. Similar to depositing a check, you must sign the money order.

When you fill out your deposit slip, use the money order’s serial number as a check number. The serial number of each money order is unique.

How to correct a mistake on a money order?

Spelling mistakes are common on money orders. Someone might also make out a money order for the incorrect amount. Mistakes happen.

Once a money order is completed, it can’t be changed. However, you can usually get a replacement money order if you have the receipt for the incorrect money order.

Don’t try to fix the mistake yourself. The receiving bank may not honor a money order that has been altered.

Do money orders expire?

Money orders don’t have an expiration date but some providers may charge a fee if the money order isn’t cashed within a certain amount of time.

This fee reduces the value of the money order and continues to reduce the value as more time passes, so it’s important to cash a money order promptly if a fee applies.

This time-triggered fee is in addition to any fees you pay when you buy the money order but affects the recipient.

Can you buy a money order with a gift card?

You may be able to buy a money order with a gift card but a number of retailers don’t allow gift card purchases of money orders at all.

In other cases, gift cards default to credit rather than debit when you make a purchase, which can create another hurdle to buying a money order with a gift card.

Most retailers only support cash or debit card purchases for money orders because these payment methods allow the provider to guarantee the funds.

Can I use a money order to pay rent?

Many landlords happily accept money orders for rent payments. With a money order, he funds are guaranteed, so the landlord doesn’t have to worry about bounced checks or other issues that can arise when paying by check.

Be aware that some landlords may insist on US Postal Service money orders as opposed to lesser-known brands.

If your money order is lost or stolen before it reaches your landlord, you can often get a replacement, although you may pay a fee.

Can you stop payment on a money order?

With major money order providers, such as the US Postal Service or Western Union, you can stop payment on a money order that hasn’t been cashed.

Expect the process to take 30-60 days. In some cases, you’ll be issued a refund if your request is approved.

In other cases, the issuer will refund your purchase with another money order payable to you.

Expect to pay some fees either way. A money order that has been cashed can’t be cancelled. However, the issuer can often provide you with details regarding who cashed it and when.

Can a money order be canceled?

Stopping payment on a money order and cancelling a money order are really the same process.

You can usually cancel a money order that hasn’t been cashed yet but you’ll probably pay some fees.

You can also expect a delay if you’ve already mailed the money order. It may take up to 60 days or longer to get your money back if your cancellation request is approved.

However, if you just purchased a money order and still have the money order and receipt in hand, you can usually replace the money order with a new money order and cancel the old one.

Can I return a money order that has been filled out?

You can often return a money order that has already been filled out.

Depending on the refund policies of the issuer and the circumstances of the return, the process may be fast or it may take 60 days or longer.

Your bank or credit union can’t help in this case. Instead, take your receipt and the money order — if you have it — back you where you bought the money order. The issuer will walk you through their process.

Do money orders need to be signed?

The recipient must sign the back of the money order when they deposit the funds in their bank account.

Most money orders also provide a line for the sender’s signature but the sender doesn’t always have to sign the money order.

However, some banks won’t accept a money order that the sender didn’t sign. Bank policies vary. To avoid delays for the recipient, the sender should sign the money order if it provides a signature line on the front.

The back is reserved for the recipient’s signature and bank stamps.

Can you mobile deposit a money order?

While some banks allow mobile deposits of money orders, many do not and some may even charge a fee for declined deposits.

A safer option is to take the money order to your bank in person and make the deposit at the counter or at the drive-thru.

Most banks also allow ATM deposits because a person reviews the money order before crediting your account.

Final thoughts on money order near me

Buying a money order provides a safer way to send money. Cash can get lost in the mail or stolen. Checks aren’t guaranteed funds and may compromise private financial information.

These risks make money orders more attractive in some situations. However, there are some things to watch out for. Consider choosing a well-known provider, like Western Union, MoneyGram or the USPS.

These well-established providers have time-tested processes in place if your money order is lost or if there’s a mistake on your money order.

With face amounts of up to $1,000, having a way to fix a problem can be a big consideration. Fortunately, most retail locations offer money orders backed by one of these providers.

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Источник: https://www.plainfinances.com/grow/money-order-near-me/

Money

*A fee of 1% + $1 applies to cashing payroll checks, recurring government benefits, and PLS money orders up to $1,000. Rates for cashing greater checks, other types of checks, and other money orders will vary based on the type and amount of the check and other risk factors. Ask a store associate for fee information.
There is no charge to purchase money orders. There is a $0.25 service fee for PLS to complete the remitter or payee field.  
Bill pay fees vary based on the type of bill being paid. Call or visit a check cashing store for details.
§The Western Union name, logo, and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.
**Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding.
PLS is a registered service mark of PLS Financial Services, Inc. ©2021.

Источник: https://pls247.com/il/money.html
can i get a money order from my bank

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