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)
Jan 28, 2014, 8:14 pm
#61
Join Date: Nov 2011
Posts: 450
tough to deposit walmart MOs to Wells app as the size is not "normal". Will just have to take this one in to bank. Kroger MOs worked perfect.
Jan 28, 2014, 8:59 pm
#62
Join Date: Dec 2012
Location: SFO
Posts: 46
I know it's a long shot but anyone try Patelco CU? The have a free and pretty easy to use mobile app for checks.
Jan 28, 2014, 9:14 pm
#63
Join Date: May 2013
Posts: 939
Very strange reporting for Discover bank.
When I tried to deposit a WU MO bank in Nov I got the following email message the following morning:
When I tried to deposit a WU MO bank in Nov I got the following email message the following morning:
Dear KYBOSH,
This is in reference to your Discover Bank Account:
Account ending in 0000
We were unable to process your deposit for $1000.00 made on November,14 2013 through our Mobile Check Deposit service for the following reason:
FI Prohibited Item
Your account balance and activity record have been modified accordingly.
If you have questions, contact Discover Bank by responding to this message or calling us at 1-800-347-7000.
Sincerely,
Discover Bank Customer Service
This is in reference to your Discover Bank Account:
Account ending in 0000
We were unable to process your deposit for $1000.00 made on November,14 2013 through our Mobile Check Deposit service for the following reason:
FI Prohibited Item
Your account balance and activity record have been modified accordingly.
If you have questions, contact Discover Bank by responding to this message or calling us at 1-800-347-7000.
Sincerely,
Discover Bank Customer Service
Jan 29, 2014, 4:45 am
#66
Join Date: Nov 2011
Posts: 450
Tried uninstall/reinstall and still can't get it to take. Must just be the Walmart MOs as the other MOs I've bought other places work perfectly. Off to the bank I go for this one.
Last edited by newbynewbynew; Jan 29, 2014 at 5:34 am
Jan 29, 2014, 6:38 am
#67
Join Date: Aug 2011
Posts: 404
I never have problems depositing MO's on my mobile to PNC.
Jan 29, 2014, 9:27 am
#68
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Jan 30, 2014, 7:16 am
#71
Join Date: Oct 2012
Posts: 486
Is there an easy way to discover whether or not a credit union is fiserve based? The wiki says these are no go.
Feb 2, 2014, 7:19 am
#72
Join Date: Feb 2013
Location: New York, NY
Posts: 61
DCU hard pulls Equifax in NYC
Just a heads up, Digital Federal Credit Union (DCU) did a hard pull (Equifax) on me for opening up a checking account. I'm in NYC.
Feb 3, 2014, 2:09 pm
#73
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
I really want to open SIMPLE but I dont have a smartphone. Are there any ways that I can open it? Please advise!
Note: I dont have ipad, iphone, ipodtouch, android, windows phone, blackberrry.
Note: I dont have ipad, iphone, ipodtouch, android, windows phone, blackberrry.
Feb 3, 2014, 2:18 pm
#74
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
You just need an invitation so you don't have to wait.
Feb 4, 2014, 1:29 pm
#75
Join Date: Apr 2012
Location: DTW
Programs: UA, SW, AA
Posts: 93
PM me if you need an invitation to Simple. I really dig their web layout and the Simple IOS app. Feels polished and quite user friendly. Have yet to encounter any issues besides the hold they put when you are new user.