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)
Mar 20, 2014, 2:14 pm
#197
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
BofA holds my mortgage, that goes back to the "don't Sh*t where you eat" rule. Guess I could try a local credit union, I'm just trying to avoid another hard inquiry on my credit report.
Mar 27, 2014, 4:53 pm
#200
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
HEHE... let BOA close "all your accounts" including your mortgage.. Then walk away debt free (obviously said in jest)
Mar 28, 2014, 9:07 am
#202
Join Date: Sep 2010
Posts: 66
MO deposit @Chase ATM
...posted in 24 hrs. Granted it was <1k.
I did try for a mobile deposit because, what the heck, things change all the time. In SE Denver, there are at least 5 Chase branches less than 10 min. from my house so this will be a fairly convenient method of liquidating. (Or liquifying, if I can figure out the alchemy.
)
There may be new manager at the WM nearest me because the CSRs have lately been much less particular about the type of FI used to load BB. This one has no raised structure between the CSR and the customer.
I did try for a mobile deposit because, what the heck, things change all the time. In SE Denver, there are at least 5 Chase branches less than 10 min. from my house so this will be a fairly convenient method of liquidating. (Or liquifying, if I can figure out the alchemy.
)There may be new manager at the WM nearest me because the CSRs have lately been much less particular about the type of FI used to load BB. This one has no raised structure between the CSR and the customer.
Mar 28, 2014, 10:26 am
#203
Join Date: Apr 2012
Location: Austin TX
Posts: 276
In regard to banks seeing newly opened accounts. Can someone confirm. My understanding was it shows overdrafts, balance write offs on closed accounts, fraud warnings, unpaid debt after 90 days, and so on. Negative data only. Opening an account?
I know BoA, Chase, and WF share info through another system, don't know what it reports on.
I know BoA, Chase, and WF share info through another system, don't know what it reports on.
Mar 31, 2014, 10:05 am
#204
Join Date: Mar 2014
Location: People's Republic of Madison
Posts: 3
Mobile Deposit is no problem with LMCU though I did have to sign the back of the MO as if it were a check for the app to "recognize" the rear image. Not sure if anyone else has run into quirks like this before. I just signed in about the same place I would have on a regular check. If memory serves it took longer to clear since the images had to be reviewed by someone, but in the end everything was fine.
Mar 31, 2014, 10:27 pm
#205
Join Date: Nov 2000
Programs: AA Plat, Alaska MVP, HHonors Gold, IHG Plat, Hertz PC, National Executive Elite, UA Kettle
Posts: 897
Data point RE: USAA deposit:
I tried depositing a money order via USAA Deposit@Mobile on an Andorid phone this afternoon (after consulting the thread) and it was rejected. The app kept saying it couldn't read the account and routing numbers, but they appeared quite clear on the images in the shots. Fortunately, there was a UPS Store just down the street and I was able to deposit there without any issues.
I tried depositing a money order via USAA Deposit@Mobile on an Andorid phone this afternoon (after consulting the thread) and it was rejected. The app kept saying it couldn't read the account and routing numbers, but they appeared quite clear on the images in the shots. Fortunately, there was a UPS Store just down the street and I was able to deposit there without any issues.
Mar 31, 2014, 10:44 pm
#206
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Data point RE: USAA deposit:
I tried depositing a money order via USAA Deposit@Mobile on an Andorid phone this afternoon (after consulting the thread) and it was rejected. The app kept saying it couldn't read the account and routing numbers, but they appeared quite clear on the images in the shots. Fortunately, there was a UPS Store just down the street and I was able to deposit there without any issues.
I tried depositing a money order via USAA Deposit@Mobile on an Andorid phone this afternoon (after consulting the thread) and it was rejected. The app kept saying it couldn't read the account and routing numbers, but they appeared quite clear on the images in the shots. Fortunately, there was a UPS Store just down the street and I was able to deposit there without any issues.
Had to try it a million times.
Finally took it out of direct light into a room that wasn't brightly lit and it went through. If you can, use the Deposit@Home via scanner. I heard it works better.
Mar 31, 2014, 11:26 pm
#207
Join Date: Mar 2014
Posts: 194
Works like a charm for me so far every time. You need to make sure you have a black background and ample light. Something about the black background contrast make it work perfectly.
Apr 1, 2014, 7:33 am
#208
Join Date: Feb 2014
Location: SQSP
Programs: 1&2
Posts: 167
I've been using the Deposit @Home instead of the mobile deposit because the @Home scans are much clearer (and my thinking is less chance of eyes on the deposit).
Apr 1, 2014, 1:06 pm
#209
Join Date: Nov 2013
Location: DC/NOVA
Programs: AA Gold, SPG Gold, HHonors Gold
Posts: 192
Apr 4, 2014, 1:36 am
#210
Join Date: Nov 2000
Programs: AA Plat, Alaska MVP, HHonors Gold, IHG Plat, Hertz PC, National Executive Elite, UA Kettle
Posts: 897
Originally Posted by bu08usc11
On the iphone version (probably the android version too) there is an options menu that is clickable when you are taking the check image. You can turn on auto-scan and continuous LED light, which increased my success rate -- YMMV of course