Jan 25, 2014, 11:43 am

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http://www.flyertalk.com/forum/manufactured-spending/1819582-banks-allow-money-order-deposits-via-smartphone-atm-2017-a-4.html

Banks that allow Money Order deposits via Smartphone

Allow MO deposits via Smartphone:

Simple* (March 2014: People now receiving emails asking source and purpose of MO deposits) (Ref)
15 photo deposit per month and $3000 per deposit (first 5 are limited to $2000). Robust MO reading (Ref)
Citibank (500 first 6 months, 1500 thereafter) Citibank does not allow MoneyGram mobile deposits and most ATMs reject the MO.(Ref)
SunTrust Only seems to accept WU, posts next day if in before 9pm.
Everbank ($50K per day total, no check bigger than $50K) (but see report of shutdown
Ref)
Wells Fargo
$2500/day $5000/mo ($1000/day $3000/30days for new accounts < 180 days) (Ref)
user experience: multiple <=$500 (Ref); WU MO (Ref)
DCU
clears immediately (Ref). Very finicky that the MO be filled out completely and the back is endorsed "for deposit only DCU".
UFB Direct
prefers MoneyGram MOs; WU MOs work fine also. (Ref)
USAA (Ref)
No limit known. User experience: $5k/day. Posts instantly. One person reported shutdown after a few months, doing less than 5K mo in MO deposits.(Ref)
Penfed. $5K per day limit. WU works fine. A portion of deposit may be held back for a few days. Doesn't seem to take MG (amount entered doesn't match amount detected error message).
BB&T. $1,000 per day, $3,000 per month. WU works fine. Doesn't seem to take MG.
Charles Schwab, depending on account up to 10k/day (While they allow MOs, their app may not be able to read all MOs. MG only work with dark printouts.)
NorthePointe bank. 10 day hold per new accounts <30 days old.
Citadel FCU: normally works great with WU, but only do one deposit, small amount first time to test. Increase deposit amount slowly, and do not exceed 2K daily or they may call you and ask what you are doing, or freeze account. Very fraud-conscious at this CU. MO funds avail. within 24 hrs. Apparent $10K/mo limit.
Clearview FCU

Do not allow MO deposits via Smartphone:

Bank of America
Not reliable MO reading (Ref)
Effective 2/23 BofA no longer accepts mobile deposits of MOs or TCs. (Ref)
Bank of the West
Chase
Fiserv-based credit unions
Fulton Bank
Ally
Capital One 360 (won't accept MO via mail in deposit either)
Vanguard
Fidelity MySmart Cash
Navy Federal Credit Union
Barclays. The terms state MOs are not allowed. MG worked twice but not again!
PNC (Ref)
TIAA-Direct (3 checks per business day, $10K per day) No longer viable after calls by Candy in Sep 2014.
Eastern Bank. $2500 per day, $7500 per month. Update 3/22/16: Per chat, Eastern no longer accepts MO over Mobile Deposit
Discover Checking* (NUMEROUS REPORTS MONEY ORDERS ARE NO LONGER ALLOWED)
user experience: <2k (Ref)
?2 days to post (Ref)
?terms do not explicitly state a limit (Ref)
LMCU Will shut down MO deposits for high volume.
Santander: MG and WU are a no go
Radius Bank: Mobile deposits no longer allowed
Amalgamated Bank (cannot deposit MOs via mobile app)

Via ATM:

Capital One - automatic amount detection (at least for Western Union), posts within 1-3 days
Chase
about four days to clear (Ref) (Ref)
BoA
may be deposited at ATM (Ref)
(Ref)
Citi
Haven't been able to successfully deposit Western Union but MoneyGram usually works
Citizens: ATM will automatically detect amount as long as ink isn't faded; if read incorrectly or not at all you can manually edit amount
WF
type in the amounts manually (Ref)
Huntington
PNC Bank: ATM will automatically detect amount as long as ink isn't faded; told by teller that ATMs have no problems accepting MO deposits
TD Bank
USAA
US Bank, can deposit MoneyGram, but you have to enter the amount manually.
KeyBank: Will accept Western Union money orders. Refuses to accept MoneyGram (from WM) money orders. Recent 2016 reports of problems and risk of shutdown if going over even just a few thousand a month.

Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

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Jan 25, 2014, 11:35 am

GeorgeMilesArnold

Original Poster

Join Date: Mar 2012

Posts: 186

Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

Which banks allows Money Oreder deposits via smartphone? If known, mention caps/limits

Allow MO deposits via Smartphone:
Simple
Bank of America
Citibank (500 first 6 months, 1500 thereafter)
Discover
DCU
UFB

Do not allow MO deposits via Smartphone:
SunTrust
Chase
Fiserv-based credit unions

Last edited by ChrisFlyer66; Feb 3, 2017 at 11:20 am Reason: added banks

Jan 25, 2014, 11:38 am

wvums

Join Date: Jan 2014

Location: Northern VA

Posts: 48

Wells Fargo does.

* Edited as i was incorrect previously.

Last edited by wvums; Jan 25, 2014 at 12:40 pm

Jan 25, 2014, 11:42 am

Dave4086

Join Date: May 2013

Posts: 54

Discover checking allows mobile MO deposit. I've deposited just under 2k successfully. No stated limit yet.

Jan 25, 2014, 11:43 am

cuebert

Join Date: Apr 2013

Location: The Empire State

Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.

Posts: 442

I made a Wiki.

Jan 25, 2014, 11:47 am

john doe iii

Join Date: Feb 2011

Location: Orange County, CA

Programs: Delta PM | US PP | Hilton Gold

Posts: 288

Digital Federal Credit Union (DCU) allows it.

I have done multiple deposits through their mobile app. I was told it was recommended since I am out of state and the funds would clear immediately

This is how I pay my car payment.

Jan 25, 2014, 12:19 pm

stealph

Join Date: Jul 2009

Location: RDU

Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum

Posts: 400

Quote:

Originally Posted by wvums

Wells Fargo does not.

I've deposited them via mobile at WF in the past.. Haven't tried recently though as I use other banks.

Jan 25, 2014, 12:20 pm

rampartmovie

Join Date: Dec 2013

Posts: 137

On a side note, has anyone tried depositing MO via ATM for chase? Mine got rejected recently.

Jan 25, 2014, 12:21 pm

guera

Join Date: Jan 2011

Location: Georgia

Programs: AA, UA, DL, BA, HH, IHG

Posts: 155

I have been depositing MOs via smartphone to my Wells Fargo checking account for the last 2 months. All have been $500 or less.

Jan 25, 2014, 12:39 pm

wvums

Join Date: Jan 2014

Location: Northern VA

Posts: 48

Quote:

Originally Posted by stealph

I've deposited them via mobile at WF in the past.. Haven't tried recently though as I use other banks.

I stand corrected. I had never tried as the local branch told me they wouldn't work at their atm or on mobile. Saves me a good bit of driving now.

Jan 25, 2014, 1:03 pm

#10

itchyfeet123

Join Date: Oct 2012

Posts: 486

Quote:

Originally Posted by rampartmovie

On a side note, has anyone tried depositing MO via ATM for chase? Mine got rejected recently.

Yup. It took about four days to clear though.

Jan 25, 2014, 1:07 pm

#11

rampartmovie

Join Date: Dec 2013

Posts: 137

Quote:

Originally Posted by itchyfeet123

Yup. It took about four days to clear though.

Oh is it. Weird. Something must have been wrong with my ATM then. It just spit it out telling declined. Had to go in and face the ignominy of the Bank teller while she was depositing it into my account...sigh. I should open a WF account soon.

Jan 25, 2014, 1:33 pm

#12

wvums

Join Date: Jan 2014

Location: Northern VA

Posts: 48

I put in a call to WF about mobile deposit limits. New checking and savings accounts younger than 180 days old have a daily mobile deposit limit of $1000 and 30 day limit of $3000. After 180 days it increases automatically to $2500 daily and $5000 monthly limit. These are for personal accounts. She said business accounts had much higher limits. She also stated that these are automatic levels and there is no way to request higher limits.