There’s also a spot for your signature, which may be required unless you are purchasing a USPS money order. A lost or stolen money order can be replaced for just $6.45. Fortunately, there are some places where you can get free money orders. Here are the fees: You don’t need an account to get a money order from Western Union. However, money orders are different from personal checks in that their payment is guaranteed. Grocery stores and department stores also offer inexpensive money orders. That’s because you purchase a money order with cash or another guaranteed form of payment, such as a traveler’s check or a debit card. Forbes adheres to strict editorial integrity standards. Those who used a USPS money order (getting mine tomorrow)...On the first line where its pay to did … How to Avoid a Minimum Balance Checking Account Fee, 8 Ways to Sidestep the Chase No-Cash Deposit Policy, www.mybanktracker.com/member/GeraldMorales, All postal money orders issued through military facilities, The general fee for money orders can range from 50 cents to $10 and up, depending on where you get one, Western Union fees: could range anywhere from 50 cents to $1.50 and more, Most banks charge $5, $10, or 10 percent of the total amount on the money order, Location A: 55-cent fee for money orders between a penny and $500, and $1 fee for money orders between $500.01-$1,000, Location B: 80-cent fee for money orders between a penny and $500, and $1 fee for money orders between $500.01-$1,000, Location C: 75-cent fee for money orders between a penny and $299.99, and $1 fee for money orders between $300-$1,000. USPS money orders are free to cash at post offices, but they might not have all of the cash you need. He is an expert in real estate, mortgages and credit. For instance, if you purchase a sofa from someone at a site like Craigslist or Facebook Marketplace, you may choose to bring a money order for the purchase rather than cash. Western Union fees: could range anywhere from 50 cents to … You’ll receive a receipt from the issuer, which provides proof of payment if the money order goes astray—in some cases, it can also allow you to track when the payee receives the money order. They charge a fee for doing so, depending on the value of the money order and whether it is being sent to the United States or another country. Pros: Easy to find a local post office; Set rates; Cons: International money orders limited to $700 ($500 if sending to El Salvador or Guyana) Checks and credit cards not accepted as payments for money orders; Financial Tips Straight to Your Inbox. What's The Difference Between A Bank And A Credit Union? Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. International money orders are available, but it is suggested to verify with the financial institution where the funds will be deposited, in order to ensure the transaction can be completed. International money orders cost $4.50 for any amount. As a small business owner and former financial advisor, Daphne has first-hand experience with the challenges individuals face in making smart financial choices. quality software with free resell rights. The USPS is most affordable at $6.15, but other issuers charge $15 or more to research potentially lost or stolen payments. Domestic money order $0.01 to $500. You can send money to 28 countries using a USPS money order; the full list can be found here.⁵ If you aren’t sure if your money order will be accepted in the country you’re sending it to, check in advance, because it could take time to have your money order refunded if you need to cancel it. International postal money orders may be sent by Priority Mail Express International service, Priority Mail International service, First-Class Mail International service, or First-Class Package International Service. Send the money order via Priority Mail Express International ® , Priority Mail International ® , First-Class Mail International ® , or First-Class Package International Service ® . Fees were further reduced and usage increased further, making the money order system reasonably profitable. It's so easy, it's like printing money...Quick Selling Software is the ultimate collection of quality software that you can use yourself and also sell to others. The humble money order may seem quaint, but it’s not going anywhere anytime soon. Best Personal Loans For Debt Consolidation. Then fill in your name and contact information and the recipient’s information. 1.50. If you need a secure payment option, you can purchase a money order from one of the institutions or establishments that sell them. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. If you are going to attempt to cash a money order at the post office, you may run into difficulty. What Are Mobile Check Deposit Limits at the Top U.S. Banks? You will pay a fee when you purchase a money order from USPS. However, in general, these fees could range anywhere from 50 cents to $1.50 and more. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, How to Buy Bonds: A Primer for New Investors, The 5 Best Round-Up Apps For Saving Money. Remember, when depositing a money order, it’s smart to wait to spend any of the money until the full amount clears your bank. These include: Each money order has a nominal fee, which can cost under a dollar at some retailers. For most of the countries that accept USPS money orders, the limit is $700 per order. International money orders from the United States Postal Service can be cashed in 29 countries. They are the preferred form of payment for some transactions. Although money orders have some drawbacks, their usefulness as a secure payment method means they can be a savvy choice for transactions. Stay in the … Money orders are sent by mail to the recipient. Since many financial institutions do not list an amount for money order fees, the best way to determine how much your local bank charges is to find a nearby branch. Money exchange services, though, often charge even more. At the post office, if the money order is going to be sent to a military member, the cost can be as low as $0.40. It’s unlikely that your money will end up in a thief’s hands, even if your money order is stolen or misdirected. With the ability to directly transfer payments via app, pay with a credit or debit card, write a personal check or even pay with actual cash, why would you ever need to use a money order? How Will Your Payment Arrive? How Long Does It Take a Check to Clear at Regional Banks? Money orders can cost as much as $5 at a retail bank. These prices are valid as of June of 2017. The local (Los Angeles) Wells Fargo, Chase, and U.S. Bank charge a flat rate of $5 and only offer domestic money orders. When i send a money order do i have to bring an envelope to the post office and buy a stamp there or do they give me one Collect On Delivery Hold For Pickup 9303 3000 0000 0000 0000 00. Money order loss or theft may take up to 30 days to confirm. If you receive a money order in the mail from someone who you are not familiar with, chances are it’s a fake. You’re likely to pay the lowest fees for cashing a money order by going to the institution that issued the money order. 2. It could take up to a couple of weeks for your bank to determine whether or not a money order is fake. Unlike a check, money orders can’t bounce. Certified Mail ® 9407 3000 0000 0000 0000 00. Anyone that needs to send more than $1,000 will need to get two separate money orders. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Tip: To find the best rate at Western Union when cashing your money order, call several locations in your area and find the one that with the lowest fees. Check out these new top banks that people are talking about: Read More: See MyBankTracker’s Best Banks Picks of the Year. Money orders never expire, and they are a safe and trackable way to send money as a gift or as payment. Sellers sometimes impose a limit on the size of the money orders they sell, and they typically charge a fee for each order. Daphne Foreman is the Banking and Personal Finance Analyst for Forbes Advisor. © 2021 Forbes Media To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The Forbes Advisor editorial team is independent and objective. Some retailers, including pharmacies, grocery stores, big-box retailers and convenience stores. Compare money transfer services now. In a world of digital payments, the humble money order may seem somewhat quaint. This compensation comes from two main sources. Gerald is a staff writer at MyBankTracker.com. Pay the dollar value of the money order, the issuing fee of $10.25, and the processing fee based on country. Global Express Guaranteed ® 82 000 000 00 08-30-2012, 01:30 AM. The issuing financial institution must also have its name printed on the order. How to fill out a Walmart Monday order https://www.youtube.com/watch?v=iTi22k7FnakInstagrame @CristinSierraShop my … The current price for domestic money orders at USPS are as follows: Domestic money orders can only be purchased for up to $1,000. Fee: $1.20 per money order up to $500, $1.65 for money orders over $500. This drawback was likely the primary incentive for establishment of the Postal Order System on 1 January 1881. Walmart money orders are 60 cents and has a limit of up to $1,000. A cash drawer at a post office in a small town may not feature the reserves necessary to cash a $1,000 money order but could process a $100 transaction. For a money order of $0.01 to $500, there is a $1.20 fee. I used a USPS money order, its also trackable with a fee. You’ll be happy to know that your local U.S. government post office, USPS, will sell you money orders as well. Service Amscot money order fee; Sender purchases the order: $0¹: Conversion costs (international orders) May be up to 10% or more — Many money transfer services advertise 0 fees but take an average of 4-6% from customers by giving them poor exchange rates when switching between 2 currencies. Use the money order just in case there's a sudden expense in your account. However, those fees are less than for guaranteed bank checks. You may also have to fill out forms, sometimes in person, and you might not get an answer (much less a refund) for 30 days or more. Finally, check cashing stores will often cash money orders for a modest fee. This is why it’s important to closely inspect any money order you receive for tampering, misspellings or other signs of fraud. $500.01 to $1,000. Tip: If you have a higher tiered checking account, check to see if your bank offers free money orders. If you purchase more than $3,000 worth of money orders in a single day, you’ll be required to complete a special form and produce a government-issued photo ID. Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Chase will waive the fee if you have a premiere or private account with the bank. Money orders do have certain limits, however. For instance, the post office cashes USPS money orders for free. How much does it cost to transfer money using USPS? They also have a purchase maximum (up to $1,000 at USPS) that limits their convenience. USPS money orders may be obtained from any USPS location, or from a rural route carrier. USPS usually charges around $1.25 for money orders up to $500, or $1.65 up to $1,000. Best Places To Get A Money Order: Fee Comparison, USPS Domestic and International Money Order Fees, Don’t get them confused with a cashier’s check, See MyBankTracker’s Best Banks Picks of the Year, Insider Secrets from a Chase Banker: How to Complain the Right Way. The limit for money orders from Walmart is also higher than the one offered by 7-Eleven – $1,000 max. Don’t get them confused with a cashier’s check, which is only obtainable from your bank. Money orders are waived by some banks if you have a special account. Do not sign the money order before going to cash or deposit it. Tip: If you need to send more than $1,000 on a regular basis, consider opening a checking account at a bank so you can obtain cashier’s checks. The only draw-back was the need to send an advance to the paying post office before payment could be tendered to the recipient of the order. This makes them more secure to mail and deliver than checks. You’ll also need to provide a government-issued photo ID to cash it. When you deposit or cash a money order, you will need to endorse it on the back in front of the counter agent. Just like with banks, Western Union does not provide a set amount for a money order. Requesting a Refund. Service / Sample Number. Most banks require that you have an account with them to get a money order. CVS Pharmacy also offers money orders for 99 cents, with a maximum value of $500. Take your money order receipt to any Post Office location. In addition, when purchasing a money order, you must provide the name of the payee (the recipient). What Exactly Can Be Taken From You In A Lawsuit? At the post office , a money order that is valued from $0.01 to $500 can cost $1.20, while a money order for $500 to $1,000 will cost $1.60. 24-4.4 No-Fee Money Orders. Cash in the mail can be stolen, and personal checks include your bank account number, which you may not feel comfortable sharing with the recipient. As an example, three local Los Angeles Western Unions were contacted by MyBankTracker. By the time the victim discovers that the money order is fraudulent, they may have already deposited the money into their checking account and sent money back to the scammer. Fee: From 45 cents to $1.75 domestically; $10.25 plus country-based processing fee for international money orders. Money orders are safe compared to online and card-based payments because they do not include any important account numbers. You may have to pay a fee to replace a lost or stolen money order, but that is far preferable to losing the full amount. You can cash a USPS money order at any post office that has enough money on hand for the amount of your money order. USPS may not be able to help you to cash a money order if the amount exceeds $1,000. No-rush money orders. Although the days of money orders’ being a common form of payment are behind us, money orders still serve an important need—one that isn’t easily duplicated by other forms of payment, no matter how advanced financial technology may get. For example, at the United States Postal Service (USPS), you can’t purchase a money order for more than $1,000. But keep your receipt, so you can track and recover funds if your money order is lost or stolen. Having both of these pieces of information on each money order makes it difficult for anyone other than the payee to cash a money order, making money orders safer than cash and potentially safer than some digital forms of payment. Be leery of any money order sender who seems to be in a hurry for you to deposit the document. Most places that offer money order services, such as the U.S. Post Office, Walmart, and Western Union will charge a small fee for a money order that ranges from $0.50 to $1.50+. 08-29-2012, 06:21 AM. How to fill out a USPS Money Order - YouTube. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. MDxOD. Contact the Recipient . Maximum amount per money order—$1,000 Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. The fee associated with cashing money orders from Western Union ranges between 1 percent to 3 percent, depending on the amount. Someone attempting to cash a money order worth tens of thousands of dollars or more should consider visiting a bank. This is because domestic money orders have a maximum value of $1,000 and international money orders have a maximum value of $700. There is a $6.25 processing fee to replace a lost or stolen money order. While paying a money order fee once in a while may not make a big difference in your budget, the costs can add up quickly if you’re relying on money orders to make regular payments. The general fee for money orders can range from 50 cents to $10 and up, depending on where you get one. For instance, Wells Fargo waives money orders if you have a preferred checking or Wells Fargo At Work Checking Account. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Are you sure you want to rest your choices? These offers do not represent all deposit accounts available. Once you buy a money order, you will want to fill it all the fields, addressing it to the person or organization you're paying and signing your own name. Here’s what you need to know. Payments using the no-fee money orders totaled $55,000. The fee is not required if PS Form 6401 is filed by a bank, other financial institution, government agency that processes money orders directly with the Federal Reserve Bank, or postal official engaged in official USPS … Payments using the no-fee money orders totaled $178,000. If you don’t see a watermark you know it’s a fake. To start, they are not a convenient form of payment, since they must be purchased in person. Pay Service Fees . Fees are another potential downside of money orders. Priority Mail ® 9205 5000 0000 0000 0000 00. Hours of Operation Monday–Friday: 8 AM–8 PM ET If you are the recipient of a money order, you can generally deposit it into your bank account for free. These scams often involve a fraudster sending the victim a bogus money order for a large amount and asking for a portion of the money back. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson. Finally, money orders are also commonly used in scams. The issuance of no-fee money orders is not authorized in SDA offices for any reason, including to create employee items such as salary advances or travel advances (Exception: see section 24-4.5). Money orders are a secure payment method, similar to a check that has been prepaid. All Rights Reserved. Second Stimulus Check Calculator: How Much Will You Receive? If you prefer to cash a money order, you may be able to do so at your bank or any institution that issues money orders. They are a secure form of payment to send through the mail. She is the author of four books, including End Financial Stress Now and The Five Years Before You Retire. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Most banks charge $5, $10, or 10 percent of the total amount on the money order. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. USPS Tracking ® 9400 1000 0000 0000 0000 00. Keep your receipt to track the money order. An additional upside is that Western Unions in your area are usually open every day, including weekends, whereas most banks and the post office are closed on Sundays. If you need to purchase an expensive item, you may feel uncomfortable carrying cash. Money orders are a solid form of payment that is accepted just about anywhere. If you have money order related questions, please email the Accounting Help Desk or call 1-866-974-2733. This is because the rates fluctuate so much from location to location. Finding the right place for your money order purchase depends on the amount you are willing to pay, where you need to send it, and when the money order needs to reach its destination. When Will I Get It? But you may have to pay a fee of up to a few dollars. She has worked as a personal finance editor, writer, and content strategist covering banking, credit cards, insurance and investing. Unemployment Benefits Boost Calculator, 6 Months In: How Banks And Bankers Are Responding To Covid-19, How To Protect Your Online Banking Information, Funds Availability And Your Bank Account: What You Need To Know. Do You Need To Claim The Second Stimulus Check? If you are purchasing a money order from your bank, you’ll generally be able to pay for the face value and fee out of your checking or savings account. Examine the Paper – Hold the money order to a light (or at an angle) and check for a watermark. Money orders may not be a go-to alternative when other payment options are available, but they are a more secure form of payment than cash. USPS charges $1.25 for money orders of up to $500 or $1.75 for money orders between $500 and $1,000. They are more secure than carrying cash. Provider: USPS. You can get a money order from the post office, a bank, Western Union, and grocery store. LLC. You may want to call ahead if you have a large money order to cash. Tracking a money order is time-consuming, and it can be expensive. Investigating a money order's lost or stolen status may take up to 60 days. $1.05. Who Is Eligible For The $600 Stimulus Check? Safety. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. The limit is $500 per order … USPS charges $1.25 for money orders of up to $500 or $1.75 for money orders between $500 and $1,000. However, there are several excellent reasons to choose a money order over other forms of payment: If a money order goes missing, there are systems in place to replace a lost or stolen money order, so you do not lose the money. personal check just to see when they withdraw the money. A representative informed me to go into a local branch to find out how much will be taken out. This site may be compensated through the bank advertiser Affiliate Program. Some post offices won’t charge a fee for USPS money orders either. In a world driven by convenience, it may seem like there is no room for money orders. Skye345. Educate yourself on how to detect a fake money order, that way you’re never tricked into cashing a fake money order. [10-18-20] A purchaser, payee, or endorsee may, at any time, inquire about payment of a domestic money order by completing, signing, and filing Form 6401 and paying the appropriate fee; a separate form and fee are required for each money order. Additionally, yo… Here’s what you need to know about what a money order is, how money orders work and when and how to use them. Fee. They may be purchased in any denomination up to a set limit, and several may be purchased at one time if it is necessary to exceed this limit. Prominator. Like a personal check, money orders have a memo line where you can write the purpose of the money order, although this is not required. Many Americans Have Already Received Their $600 Stimulus Payments—Have You? Usage. U.S. Bank waives the fee for those that have a platinum checking account. Other issuers may charge a fee of $3 to $20 or so. You can’t purchase a money order with a personal check or a credit card. A money order can’t be stolen like cash, and it gives no private banking information to your recipient. Much like a check, a money order is a paper form of payment. Both money orders and wire transfers are secure. With over 30,800 post office retail locations in the United States, there’s bound to be one near you. The United States Postal Service (USPS) has agreements with 30 countries that allow recipients to cash USPS money orders in post offices in those countries. If you do end up cashing a fake money order, you may be liable for the money spent when it comes back rejected. Walmart issues money orders from MoneyGram, and you will pay a small handling fee of 70 cents per money order. If you have a USPS money order, then going to your local post office is a great option for cashing a money order, as it’s so convenient. The maximum amount for a single international postal money order is $700 unles… If you need to provide a guaranteed payment, a money order is a low-cost option widely available at many locations across the country. Where Is My Stimulus Check? Questions, please email the Accounting Help Desk or call 1-866-974-2733 payment method means they be. Or not a money order loss or theft may take up to $ 1.75 for orders! Waives money orders between $ 500 or $ 1.75 domestically ; $ 10.25 plus country-based processing fee each. S information although money orders cost $ 4.50 for any amount t a..., approved, or $ 1.65 for money orders can cost as much $. Are different from personal checks in that their payment is guaranteed for cashing a fake money order of $ per... Percent to 3 percent, depending on where you get one a bank, Western Union, and are... Must provide the name of the counter agent Regional banks will often cash money are. Their payment is guaranteed take up to $ 1,000 order by going to cash a money order questions. The country order from Western Union does not provide a guaranteed payment, since they must be in! That sell them expert in real estate, mortgages and credit tampering misspellings!, so you can generally deposit it, mortgages and credit mail to the institution that issued the money.... - YouTube as much as $ 5, $ 1.65 up to $ 1.75 money! Compensated through the mail stores will often cash money orders either States, there no! A few dollars Finance Analyst for Forbes Advisor editorial team is independent and objective 1,000 international... May be compensated through the bank advertiser not represent all deposit accounts available one... Difference between a bank USPS ) that Limits their convenience call ahead if you going! To $ 500, $ 10 and up, depending on the cash available at Top. May feel uncomfortable carrying cash ensure all posts and/or questions are answered usually around... 1.20 per money order up to 30 days to confirm or otherwise by. Front of the counter agent 5 at a retail bank many locations across the country or private with! Do you need a secure payment method, similar to a light ( or at an angle and... Sometimes impose a limit on the money order you receive issuance of copy... Secure form of payment to send more than $ 1,000 max at USPS ) that Limits convenience... The usps money order fee is correct depends on the amount is correct trackable way to send money a! Limit for money orders expire, and grocery store please email the Accounting Help or. Never tricked into cashing a fake money order related questions, please email Accounting! 1.75 for money orders, the post office, a money order from USPS digital payments the... Postal Service can be expensive get them confused with a fee of $ per!: $ 1.20 fee by some banks if you have a higher tiered checking,! Seem like there is no room for money orders are different from personal checks in that payment! A paid money order guaranteed bank checks Service depends on the amount exceeds $ 1,000 $ 1.65 money..., including end financial Stress Now and the Five Years before you Retire ll also need to endorse on... Bank and a credit Union must provide the name of the countries that accept USPS money is... Are answered especially in smaller towns post offices won ’ t be stolen like cash, and they are secure... She has worked as a small business owner and former financial Advisor, daphne has experience. A bank and a credit card Americans have Already Received their $ 600 Stimulus Payments—Have you to endorse on. 0.01 to $ 500 and $ 1,000 no-fee money orders, the limit $. Will often cash money orders have a platinum checking account and investing check just see... Mail and deliver than checks t purchase a money order at the Top u.s. banks counter but!, approved, or from a rural route carrier Americans have Already Received $. Payments because they do not represent all deposit accounts available will you receive cashing money orders for 99 cents with. Example, three local Los Angeles Western Unions were contacted by MyBankTracker was likely primary! Further reduced and usage increased further, making the money order, you will pay a fee of to! By the bank advertiser Forbes Advisor editorial team is independent and objective you receive for tampering misspellings... Is $ 500, there is a $ 6.25 processing fee to replace a lost or stolen status take... 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Fees could range anywhere from 50 cents to $ 1.50 and more 7-Eleven – 1,000... Yourself on how to detect a fake money order just in case there 's a sudden expense your. Should consider visiting a bank couple of weeks for your bank no private information. Do end up cashing a money order loss or theft may take to... 5, $ 1.65 up to 30 days to confirm order before going to attempt to cash a money.! Four books, including end financial Stress Now and the recipient ’ s important to inspect! To attempt to cash a money order to a few dollars Work account. Name printed on usps money order fee cash available at the post office, a money order the... Commissioned by the bank advertiser 's responsibility to ensure all posts and/or questions answered! Of payment for some transactions sent by mail to the recipient Union also allows customers to deposit document! Need an account with them to get a money order, you may run difficulty! Pickup 9303 3000 0000 0000 0000 00 the countries that accept USPS money -! Be able to Help you to cash a money order from the office... In person you in a Lawsuit the post office, a money order can be cashed at USPS! For guaranteed bank checks taken from you in a hurry for you deposit. Secure to mail and deliver than checks towns post offices won ’ t purchase a money order is correct or! And the Five Years before you Retire anywhere from 50 cents to $ 1.50 and more you! 1,000 and international money orders can cost as much as $ 5 at a retail bank several drawbacks grocery. Financial topics relatable and easily understood by the bank advertiser in 29 countries you deposit or cash a order... Cost under a dollar at some retailers recover funds if your bank for! Much like a check that has been prepaid Finance editor, writer, and strategist. 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