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)
Jun 15, 2014, 12:43 pm
#406
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Jun 16, 2014, 7:42 am
#408
Join Date: May 2014
Posts: 201
Anyone try using BlueStacks on Windows to get the Android apps for the banks that allow deposits via android devices?
I just found out about BlueStacks this morning. Will try using it for DCU when I get home tonight.
I just found out about BlueStacks this morning. Will try using it for DCU when I get home tonight.
Jun 17, 2014, 7:34 am
#409
Join Date: May 2014
Posts: 201
I'll experiment and research some more. This could potentially open a lot of doors for me.
Jun 17, 2014, 11:47 am
#410
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Quick follow up on BlueStacks. I was able to get this set up and install both the DCU and Everbank apps. Everbank just crashed upon startup (couldn't do anything there). DCU worked and I was able to log in with my account, but when I tried to scan a MO in, the camera was really messed up - garbled on the upper half of the screen, black on the lower half. Tried taking a picture and it gave me some kind of "null" error. This was on my Surface Pro 2.
I'll experiment and research some more. This could potentially open a lot of doors for me.
I'll experiment and research some more. This could potentially open a lot of doors for me.
Why don't you just buy some cheap-o Android phone and install the apps?
Jun 17, 2014, 1:02 pm
#411
Join Date: May 2014
Posts: 201
That's probably my next step. I've been half-heartedly googling cheap off-contract android phones that I would just use on wifi, and they're surprisingly more than I expected (this is all relative of course). I may have to step up my search.
Jun 17, 2014, 1:14 pm
#412
Join Date: May 2014
Posts: 466
My daughter just picked up an unlocked Moto E off Amazon for $130
Jun 17, 2014, 1:38 pm
#413
Suspended
Join Date: May 2010
Posts: 2,998
Do you need to have an active phone to use the Play store? My old (& disconnected) HTC still works fine as a wireless device but I've not tried to add any apps to it in over a year.
Jun 17, 2014, 1:41 pm
#414
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Jun 17, 2014, 1:50 pm
#416
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Jun 17, 2014, 1:56 pm
#417
Suspended
Join Date: May 2010
Posts: 2,998
Give her this link. When her Moto E starts to restart itself randomly, she'll need it.
https://motorola-global-portal.custh...ail/a_id/93162
https://motorola-global-portal.custh...ail/a_id/93162
Jun 18, 2014, 6:29 am
#419
Join Date: May 2014
Posts: 466
Give her this link. When her Moto E starts to restart itself randomly, she'll need it.
https://motorola-global-portal.custh...ail/a_id/93162
https://motorola-global-portal.custh...ail/a_id/93162
Jun 18, 2014, 12:09 pm
#420
Suspended
Join Date: Sep 2013
Posts: 817
I did not realize I could use check deposit ATMs with my Schwab account. Or do you also have a BoA account?