Jan 25, 2014, 11:43 am
Last edit by: ChrisFlyer66
This is a historic thread. Recent discussion on this topic is available here:
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:
Do not allow MO deposits via Smartphone:
Via ATM:
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)
Oct 11, 2014, 10:55 am
#646
Join Date: Apr 2013
Posts: 14
M&T
Does anyone know if M&T bank accepts MO deposits via app or ATM? I just received a $150 offer.
Oct 21, 2014, 10:08 am
#647
Join Date: Jun 2011
Programs: UA
Posts: 27
Successfully deposited MG at the ATM of the following banks and all cleared in one business day:
PNC (no envelope, ATM recognized a ridiculous amount and keyed in manually)
Citizens (no envelope, amount recognized correctly)
Santander (with envelope, keyed in manually)
PNC (no envelope, ATM recognized a ridiculous amount and keyed in manually)
Citizens (no envelope, amount recognized correctly)
Santander (with envelope, keyed in manually)
Oct 21, 2014, 10:52 am
#648
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Updated wiki with Citizens (hadn't realized it wasn't listed). Have been using Citizens for months without issue to deposit MO's and cash from Target Amex. ATMs work great
Oct 22, 2014, 9:15 am
#649
Join Date: Aug 2011
Posts: 404
I too can add that Citizens works well with MG.
I have a question for thought. My credit union was at my workplace today and they told me that they use PNC as a 3rd party to accept atm deposits for free. Am I safer to deposit MO's at a PNC atm which will deposit them in my credit union account? Will PNC do any tracking on how many MO's I will be depositing to the credit union?
The reason I ask is because I use PNC as my main financial institution and don't want them tying my ms'ing habits with my regular banking together.
I have a question for thought. My credit union was at my workplace today and they told me that they use PNC as a 3rd party to accept atm deposits for free. Am I safer to deposit MO's at a PNC atm which will deposit them in my credit union account? Will PNC do any tracking on how many MO's I will be depositing to the credit union?
The reason I ask is because I use PNC as my main financial institution and don't want them tying my ms'ing habits with my regular banking together.
Oct 22, 2014, 11:12 am
#650
Join Date: Oct 2012
Posts: 143
Please realize that there several different "Citizens" banks around the U.S. Not all are the RBS subsidiary with the green and white logo.
Oct 23, 2014, 1:51 pm
#651
Join Date: Aug 2010
Location: USA
Programs: HH Diamond, Marriot Plat, AA,UA,DLTA, SW CP, Starwood Gold, Priority Plat.
Posts: 96
I have tried to go through the posts, but just wondering if anyone is getting shut down by usaa for money order deposits? I am looking at 30k+ per month via mobile deposit. I will leave a balance of at least 5k. thanks.
Nov 4, 2014, 3:04 pm
#652
Join Date: Aug 2010
Location: USA
Programs: HH Diamond, Marriot Plat, AA,UA,DLTA, SW CP, Starwood Gold, Priority Plat.
Posts: 96
Banks that accept money orders in QTY via mobile app
Did some searching and do not see a post on this, which is surprising. Was looking for advice on banks that offer mobile deposits, and that are not shutting down accounts for money orders.
any advice would be appreciated.
any advice would be appreciated.
Nov 5, 2014, 6:30 am
#653
Join Date: Jul 2014
Posts: 3,688
btw, there cannot be guarantees of 100% no shutdown at any bank depending on the volume of MOs deposited by an individual and how quickly they w/d them soon as they clear. the individual determines that, based on their experience and relationship with the bank.
Nov 5, 2014, 11:41 am
#654
Join Date: Mar 2013
Location: In the ATL
Posts: 156
Every one that I've used (and I've tried a bunch) have shut me down for mobile MO deposits eventually. I would not advise this.
Nov 5, 2014, 12:43 pm
#655
Join Date: Aug 2011
Posts: 404
is it general consensus that small credit unions are safer to use than bigger branch banks?
Nov 5, 2014, 12:47 pm
#656
Join Date: Aug 2011
Posts: 404
IYE, are atm deposits safer/more sustainable than mobile? I spread my stuff all over, which can get annoying, but am looking to find something that will be better for volume (I'm not concerned with mobile deposit).
Nov 16, 2014, 5:50 pm
#657
Join Date: Dec 2012
Posts: 88
Discover cracking down? I have a 2k per 30-day limit now.
Nov 17, 2014, 8:04 am
#659
Join Date: Sep 2014
Location: Metro ATL
Posts: 359
Mg mo @ wf, penfed, chase
Unable to do mobile deposit (same for Chase and PenFed), but deposit @ WF ATM worked after the second attempt (upper edge on right hand side)but, as reported in WIKI, had to enter the amount manually.