24 Places to Cash a Money Order Near You Today (Some for Free!) - MoneyPantry (2023)

If you need money today and have received a payment in the form of a money order, that’s probably the first thing you wonder about.

In this post, we cover how to cash a money order, as well as the best places (Walmart isn’t the only store!) where you can cash a money order.

Before we get to the list, for those of you not familiar with this form of payment, a money order is like a check, in both appearance and function.

The difference between the two is that money orders are prepaid, so they’re generally thought to be a safer form of payment than a check.

This is why many people opt to use money orders over checks.

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Now, there are a dozen or so places that actually issue money orders.

Some of the most popular money transfer companies include:

  • MoneyGram
  • Western Union
  • Post Office
  • PayPal
  • Walmart
  • Ria
  • Xoom

If you’ve been given a money order, then you’ll want to know where you can get the money for it.

You get can get cash for a money order or get the funds deposited into an account, and we cover exactly how you can do this below.

How do you Cash a Money Order?

If you want to change your money order into cash, then here’s what to do:

  • Step 1: Take the money order to a place that cashes them.
  • Step 2: Once you are ready to give the money order to the agent, you’ll need to endorse the money order by signing your name on the back of it.
  • Step 3: You’ll need to show a valid ID to confirm that you’re authorized to cash the money order. Each place will likely have it owns rules as to what constitutes a valid ID. Government-issued IDs, such as a driver’s license, passport, permanent resident card or military ID are the best option.
  • Step 4:Pay any fees required for the service.
  • Step 5: Take your cash!

It’s important to note that the name on your ID must match the name on the money order, regardless of where you cash it.

So make sure that the sender puts your name on the money order in the same way it appears on your photo ID.

Also, if there’s an address field on the money order, then make sure your photo ID has the same address too.

Places to Cash Money Orders

While there are many places that sell money orders, there are far less that actually cash them.

So, this can mean that you’re much more limited when it comes to cashing money orders than you are when it comes to buying them.


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For example, there are many grocery stores, such as Publix, Meijer and Winn-Dixie that sell money orders, but do not cash them.

However, you still do have quite a few options.

Below, we’ve listed places that cash money orders.

1. At your Bank or Credit Union

If you want to cash your money order for free, the best place, arguably, is at your local bank or credit union. Since banks have large amounts of money on the premises, they’re likely to be able to pay the full amount at once.

Even if you aren’t an account holder at a bank, you can still cash a money order at most banks. But you will generally need to pay a small fee.

And, to cash large money orders, you usually need to be an account holder.

Some of the popular banks that do that include:

  • Citibank
  • Commerce Bank
  • HSBC
  • SunTrust
  • TD Bank
  • Bank of America
  • Capital One
  • Chase Bank
  • Regions Bank
  • US Bank

2. At the Money Order Issuer (Post Office, MoneyGram and Western Union)

So what if you don’t have a bank account? How do you cash a money order without a bank account?

If you don’t have a bank account or you don’t have a branch nearby, then it’s a good idea to cash the money at a location of the organization that issued the money order.

Money orders are issued by a number of different places, but some of the most popular include:

  • MoneyGram
  • Western Union
  • Post Office

Do be aware though that not every place that issues money orders cashes them, as we mentioned above.

Here are a few popular places that issue money orders which, at some locations also cash them:

Western Union

Western Union sells money orders, but some of its locations may also be able to cash them.

You can contact them to find out if they cash money orders.

It’s important to note that Western Union states that not all of its locations, including locations where you can buy a money order, are able to cash them.

  • Find a local office: You can find your nearest Western Union location here.

At the Post Office

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. Some post offices won’t charge a fee for USPS money orders either.

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You may want to call ahead if you have a large money order to cash.

USPS usually charges around $1.25 for money orders up to$500, or $1.65 up to$1,000.

  • Find a local office: You can find the closestlocal USPS here.


MoneyGram is another popular issuer of money orders. And it also cashes money orders at some of its locations.

  • Find a local office:You can find your nearest MoneyGram location here.

When you go directly to the issuer, it can reduce the amount of fees you have to pay. In fact, sometimes it can be free! And, you’re more likely to get the full amount of cash faster.

Just check your money order to see who issued it and then visit one of that places locations.

3. Walmart

Yes, the same place where you can get your keys made, also cashes MoneyGram money orders. There are so many Walmart stores around, so you’re likely to be able to find one near you.

  • Find a local office:Find your nearest Walmart store here.

4. Kroger

Through Money Services, you can cash money orders at Kroger, and other store brands in the Kroger family.

You can find Money Services desks in more than 2,000 Kroger and other Kroger brand stores

At Money Services desks you can cash a money order, by following the steps we mentioned above. You can get the money as cash or have it loaded onto a prepaid card.

There’s a fee charged, but the fees and limits vary by state, so call or check at your local store for details about cashing money orders.

  • Find a local office:Use this tool to find your nearest Kroger store that features a Money Services desk.

5. Other Stores to Cash a Money Order

Above, we’ve mentioned a few places to cash money orders.

And, we also mentioned that the amount of places where you can actually cash money orders is much more limited, compared to the number of places where you can buy them.

Another thing to consider is looking at grocery stores, retailers and even some liquor stores and gas stations, that offer small financial transaction services.

There are a lot of stores that do that, like:

  • Stop and Shop: Find your nearest store here.
  • Hy-Vee: Find your nearest store here.
  • WinCo Foods: Find your nearest store here.

It’s always worth calling your local stores, in general, to see which ones do offer money transactions and how much they charge.

6. Check Cashing Places

You know those places that aren’t banks but cash your check?

Yes, the ones with outrages fees!

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They also cash money orders, but this really should be your last resort.


Because they charge crazy fees. Some charge as high as 10% or more.

So I don’t recommend using them, but since this post is about all the places that do cash money orders, I will list some of them for those who may not have access to other options.

The top cash checking places that also may cash money orders (with very high fees!) include:

  • ACE Cash Express
  • Speedy Cash
  • Amscot
  • Friendly Check
  • Money Mart
  • Check Into Cash

Again, please use the other options if you can. You don’t want the fees to eat into your actual payment.

How to Deposit a Money Order

If you have a bank account or don’t require the cash from the money order, then getting the money deposited into your bank account, rather than cashing it, is generally a better option.

Firstly, it’s safer – you don’t need to leave the bank, post office or store with tons of cash in your pockets!

So the money is much less likely to be lost or stolen. Plus having the money right in your bank account is generally more convenient.

You do have to wait a little while longer to get the money, but this is definitely the safest and most convenient way to get the funds from a money order.

Getting the money deposited in your account involves the same process as getting the money order cashed. So you’ll need to endorse it and have an ID to get the funds.

Avoiding Money Orders Scams & Fraud

While money orders are considered a safer payment option than personal checks, they’re still some things you’ll want to do to avoid things like scams and fraud.

These include:

Only accept money orders from people you trust

Generally, you’ll only want to accept money orders from friends and family.

If you need to take payments for your business, then only accept money orders from local customers.

It’s best to avoid taking money orders as payment if you’re selling stuff online, such as on a platform like Craigslist or eBay, for example.

It’s okay to accept money orders as a payment method for in-person payments because you can check the money order, and you can also take a copy of their photo ID and exchange contact information should an issue with a money order arise.

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Look for warning signs on whether a money order is legitimate

Issuers tend to use their own security features on their money orders in order to prevent fraud, such as:

  • Multi-colored reflective threads
  • A machine-printed dollar amount
  • Watermarks
  • A machine-printed serial number and issue date

So if any of these things are absent, or you see something like a handwritten dollar amount, then the money order may not be legitimate.

Also, watermarks should only be visible when you hold the money order up to the light. You may even need to move the money order around at different angles in the light to view it. If you can see the watermark without holding the money order up to the light, then this is a potential warning sign.

Also, check to see if there are any areas where the ink looks unusually lighter or darker or where the ink has bled, as these can be signs that the money order is fake.

Also, check to see whether the serial number or dollar amount looks like it may have been altered.

If you notice any of the warning signs on a money order that you have, then call the money order issuer to verify the validity of it.

It’s a good idea to look at photos of legitimate money orders online and compare your money order to these examples.

Only accept money orders for the amount you’ve asked for

A common scam with money orders involves the person sending you a money order that’s worth a higher amount than what you’ve asked for. And, then the sender asks you to mail or digitally transfer part of the funds back to them.

So never accept money orders that are worth more than the amount you’ve requested and never return money to the sender.

Try to Cash your Money Order as Soon as Possible

Some money orders don’t expire, but some do expire a year after the issue date. So if you want to ensure you get your money, then make sure that you cash your money order within a year of the date it was issued.

The terms and conditions for money orders appear on the back, so check there to see if it expires.

When you cash your money order quickly, it guarantees that you receive your money.


Here are a few good resources with tips and tools to help you identify and avoid money transfer related scams and frauds.

I hope this never applies to you, your loved ones or anyone for that matter, but if you’ve been a victim of Money Transfer related scams, please make sure to report it to the Consumer Financial Protection Bureau or theFederal Trade Commission (FTC)or by calling 1-877-382-4357.

Closing thoughts

Now that you know where to cash a money order near you, next time you receive a money order payment,consider visiting one of the places we mentioned above.

You’ll generally need to pay a fee if you cash a money order anywhere other than your bank. So if you don’t have a bank account and regularly receive money orders, then you really should consider opening up an account. You’ll save money on fees!

Give these methods a go and get your money order cashed or deposited into your bank account quickly and easily.

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Where can u cash money orders? ›

Money orders are cashed for the exact amount on the order. You can cash a USPS money order at a Post Office for free. You can also cash them at most banks and some stores. Rural carriers may cash money orders if they have enough money on hand.

What bank will cash a money order without an account? ›

You can also cash a money order at the US Post Office. The fee is $1.25 to cash a money order of up to $500, and $1.7 for one up to $1,000. Other places where you can cash a money order include Western Union, MoneyGram, Walmart, Kroger, and check cashing services.

Will Walmart cash a money order? ›

Does Walmart Cash Money Orders? You can cash a money order at banks, check-cashing services and certain retailers, including grocery stores. Walmart cashes money orders that were issued at Walmart, for a fee. Wherever you cash a money order, you'll need ID to prove you are the lawful recipient.

Can I cash my own money order? ›

You can cash a money order at your bank, or at many retail outlets. You can also take it to the money order issuer. You'll probably have to pay a fee if you don't deposit the money order into your bank or credit union account, but it can be nominal depending on the size of the money order.

Can I cash a money order at an ATM? ›

Banks usually accept post office money orders like they would a regular check at branches, ATMs or even on a mobile app. Money orders from other sources may need to be deposited at a branch.

What is the easiest way to cash a money order? ›

How to Cash a Money Order
  1. Take it to a location that redeems money orders (bank, post office, Walmart, grocery store, etc) to receive its value in cash.
  2. Sign the back and deposit it in your bank account like a check.

Can you mobile deposit a money order? ›

Today, most banks allow mobile check deposit of personal checks, business checks, money orders, treasury checks and more. As a general rule, any check you can deposit in-person at a local branch can be deposited via mobile check deposit using your bank's app.

Does Western Union cash money orders? ›


You may also be able to deposit the money order into your bank account. Please note, not all Western Union locations, including where you buy a money order, are able to cash them.

Can I cash a money order at CVS? ›

Does CVS Cash Money Orders? You can't cash money orders at CVS, but you can cash a money order at a check-cashing store or some grocery stores with proper ID. Depending on the location, you might be charged a fee for cashing a money order. You can also deposit the money order at your bank or credit union.

Can I cash a money order at Walgreens? ›

No, Walgreens does not handle money orders. You can't purchase them or cash them at Walgreens. Instead, Walgreens uses wire transfers through Western Union. Money transfers are similar to money orders, but there are a few differences.

Can I cash a money order at Moneygram? ›

You can also cash a money order directly with the issuer (like Western Union, Moneygram, Walmart, or USPS) if possible, rather than taking it to your bank. Note that you don't have to cash a money order — you can also deposit it into a checking account, if you prefer.

Does chime cash money orders? ›

You can pay for a money order with cash or a debit card. Keep in mind that most money orders have a $1,000 limit.
How Much Is a Money Order?
Banks and credit unionsVaries by institution but most banks/credit unions charge about $5 per money order
5 more rows
12 Nov 2021

How do I deposit a money order into an ATM? ›

Most financial institutions have ATMs where you can deposit money orders into your checking or savings account. To do this, use your bank card to access your account and insert the signed money order into the ATM. However, be sure to check that the ATM you wish to use accepts deposits, as some only dispense cash.

How long does it take for a money order to clear? ›

10 The clearing process can take a few weeks, even if your bank's funds availability policy allows you to use the money immediately. If you use the funds and the money order turns out to be fake, the bank will require you to repay the amount.

Can you cash a money order with a debit card? ›

Go to your local branch. Present the original money order to the teller. Provide a government-issued ID. Provide your account information (signature card, ATM card, debit card, or deposit slip).

Can you cash a money order into your bank account? ›

You can generally cash a money order at your bank, the issuer, some retailers, cash-checking stores and other institutions, but you may have to pay a fee. You'll typically pay the lowest fees to cash a money order at the issuing institution. You can often deposit a money order into your bank account without a charge.

What app can i use to cash a check? ›

Here's a look at the best apps for cashing checks.
  • Brink's Money Prepaid Mobile App. ...
  • Ingo Money App. ...
  • Netspend. ...
  • PayPal. ...
  • Western Union Netspend Prepaid Mastercard Mobile. ...
  • Green Dot.
16 Aug 2022

How do I deposit a check with my phone on Cash App? ›

How to Deposit Checks on Cash App
  1. Tap on your balance in Cash App.
  2. Scroll down and tap on the to deposit a check option.
  3. After that, you'll be asked to enter an amount of the check you are depositing.
  4. Lastly, take a photo of the front and back of the check with your phone's camera.
19 Feb 2022

How do you get money from the Cash App without a bank account or card? ›

How to Get Money off Cash App Even Without a Card?
  1. Open the Cash App either on your iPhone or Android.
  2. Tap the My Cash/Cash Balance or $ tab to go to your Cash Balance and tap Cash Out.
  3. When the menu tab appears, input the amount you want to send and tap the Cash Out option.
26 May 2022

How do you cash a money order that you didn't use? ›

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. Once you are with a teller, write the following phrase: "Not Used for Purpose Intended" on the back of the money order.

Can I get a money order without cash? ›

To purchase a money order, you typically need to pay with cash or a debit card. 5 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.

Can you cash a money order without the receipt? ›

The bank won't cash the money order without acceptable proof that you are the person who is supposed to receive the funds.

How long do money orders take to clear mobile deposit? ›

So how long does a mobile deposit take? Mobile deposits can clear in just a few minutes, but it's best to expect about one business day. And by following a couple of quick checkpoints, you can avoid any hitches that could cause a delay.

Can I deposit money order to my bank online? ›

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 I do a mobile deposit with a Moneygram money order? ›

Moneygram does not allow mobile app MO deposit regardless of whether or not the bank allows it.

Does CVS or Walgreens cash money orders? ›

You can only buy money orders at CVS, but the pharmacy chain doesn't cash them. If you want to cash a money order, your best bet is to visit your bank or credit union. Your bank is likely to cash money orders for free or at a reduced fee than other places, like a nearby 24-hour check-cashing store.

Does Walmart cash money orders from Western Union? ›

Western Union money orders can be cashed at many locations, including Walmart, Walgreens, and many other grocery stores and retailers. Many banks are also willing to cash money orders.

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. 12 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 you cash a money order at Target? ›

No, Target does not provide the service of buying a money order. Target also doesn't allow you to cash or sell a money order. If you need a money order, you are going to have to go to a different store to get one. The closest thing to a money-related service that Target offers is their credit or debit cards.

Does 711 cash money orders? ›

It's the go-to for frozen beverages, cheap food, and sells alcohol. But did you know they also offer financial services, like 711 cash back? Gift cards, prepaid debit cards, fuel cards, bill pay, and 7-Eleven money orders are among the financial services available.

Does Walmart use MoneyGram for money orders? ›

Walmart money transfer services for domestic and international are powered by Ria and MoneyGram respectively. Money Order and Western Union transfer services are also available at participating stores.

Does chime mobile deposit money orders? ›

The most interesting this is as follows: We will no longer accept Money Orders or Cashier's Checks for deposit through MCD, regardless of issuer.

Can I deposit a money order through Chase app? ›

Chase Quick Deposit is only for business checks, personal checks, U.S. treasury checks, traveler's checks, and money orders payable in U.S. dollars and drawn on banks in the United States. Foreign and Canadian checks are not allowed.

Can I use chime to cash a check? ›

Open the Chime app, tap Move Money at the bottom of your screen, then tap Mobile Check Deposit. The Chime app will guide you through the rest of the mobile check deposit process — it's easy!

How do you cash a check at an ATM without an account? ›

Some banks will let you cash a check at their ATMs if the money is loaded onto a prepaid card account. This is a great way to avoid the hassle of long lines at a bank, store, or retailer. Expect to pay a per-check fee, as well as a monthly service fee for the card account.

Can I pay for something online with a money order? ›

A money order is similar to a personal check in that it's a paper document the recipient can cash or deposit into a bank account. You can use a money order to pay rent and other bills, send money to family and friends or even pay for online orders with some retailers.

Can I Mobile deposit a money order? ›

Today, most banks allow mobile check deposit of personal checks, business checks, money orders, treasury checks and more. As a general rule, any check you can deposit in-person at a local branch can be deposited via mobile check deposit using your bank's app.

Can I cash a money order at MoneyGram? ›

You can also cash a money order directly with the issuer (like Western Union, Moneygram, Walmart, or USPS) if possible, rather than taking it to your bank. Note that you don't have to cash a money order — you can also deposit it into a checking account, if you prefer.

Where can I cash a Western Union money order at? ›

You may be able to cash your money order at banks and other retailers (grocery stores, check-cashing locations or other stores where you've been able to cash checks in the past). In some circumstances, the bank or retailer may charge you to cash your money order.

What app can i mobile deposit money order? ›

You can deposit money orders or cashier's checks directly from within the Novo app using our mobile deposit feature. This process will be the same as a regular check deposit. Just click on 'Move Money' and then 'Deposit a Check.

Does CVS cash cashier's checks? ›

No. Unfortunately, CVS does not cash checks. But there are some workarounds that can be used. For example, some people successfully used an ATM at a CVS location to deposit their checks and then withdraw cash.

Can Western Union do money orders? ›

Money orders can be purchased at any participating Western Union® agent location. Created with Sketch. Stop in at any participating Western Union location. Purchase for the principal amount you need.

Does Circle K do money orders? ›

Money orders are available at most Circle K Stores.


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