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 18, 2014, 2:56 pm
#421
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
Just don't let her fall. ^
Jun 18, 2014, 2:58 pm
#422
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Data Point: NFCU has ATM deposit however funds won't be released until the next business day or until processed by a bank person. They don't allow MO deposit via smart phone.
Jun 18, 2014, 3:32 pm
#423
Join Date: Feb 2014
Location: SQSP
Programs: 1&2
Posts: 167
What ATM have you been using, NF or partner ATM? I have been unsuccessful with ATM deposits for NFCU.
Jun 18, 2014, 5:36 pm
#425
Join Date: Oct 2011
Posts: 4,166
No, I think they mean that they just deposited it into their BOA account with BOA ATM since Schwab didn't work. Schwab is not affiliated with BOA, Merrill Lynch is.
Jun 19, 2014, 11:46 am
#426
Suspended
Join Date: Sep 2013
Posts: 817
My main account is a credit union, and I really like it because I can use any CO-OP atm, including for check deposits. They have like 3x the ATMS of any of the major banks.
http://co-opatm.org/
Jun 19, 2014, 12:00 pm
#428
Join Date: Feb 2014
Location: SQSP
Programs: 1&2
Posts: 167
Ok. Supposedly partner ATMs will work, and I even did the search on NFCU's website limited to "deposit accepting ATMs" only, but I always get the "Transaction Not Allowed" 119 error at the partner ATM.
Has anyone ever had success making a deposit (of any kind/amount) to a NFCU partner ATM?
Has anyone ever had success making a deposit (of any kind/amount) to a NFCU partner ATM?
Jun 19, 2014, 9:01 pm
#429
Join Date: Oct 2011
Posts: 54
I got a voicemail from PNC today letting me know they don't accept MO via smartphone deposit after I tried to deposit two for $499 each. I've used the app for checks before and deposits of that size are well within reason for my 10 year history with them.
Jun 19, 2014, 9:11 pm
#430
Join Date: Jul 2011
Location: DCA
Posts: 121
USAA
I find that this doesnt work, it wont read the amount of money grams bought at walmart.
==============================
https://communities.usaa.com/t5/Mone...nkPhrase=money order deposit
Per USAA phone rep: Yes to MO at ATM. Yes to MO deposit on mobile app. HTH.
https://communities.usaa.com/t5/Mone...nkPhrase=money order deposit
Per USAA phone rep: Yes to MO at ATM. Yes to MO deposit on mobile app. HTH.
Jun 19, 2014, 9:21 pm
#431
Join Date: Jul 2011
Location: DCA
Posts: 121
Capital One 360 and SunTrust
Money grams at a Capital One 360 ATM usually work, sometimes after a couple of attempts. However, it takes up to 3 days to clear.
Havent had any luck at suntrust ATMs so far.
Havent had any luck at suntrust ATMs so far.
Jun 19, 2014, 10:09 pm
#432
Join Date: Aug 2012
Posts: 142
Anyone aware of a limit with BoA ATM deposits?
About to ramp up MO for the first time, and that's my only legit option without opening up a new bank account.
About to ramp up MO for the first time, and that's my only legit option without opening up a new bank account.
Jun 19, 2014, 10:17 pm
#433
Join Date: Nov 2011
Posts: 1,944
For more safety, get another free bank account!
Jun 19, 2014, 10:40 pm
#434
Join Date: Apr 2014
Location: Midwest
Programs: Southwest CP, Hilton Diamond, Hyatt Platinum, Club Carlson Gold
Posts: 69
I utilize a small financial institution where I live. I've recently begun depositing small 5 figure money orders via my smartphone. Today I logged into my account online and was surprised by an unexpected message.
But wait, there's more!
The message told me that my daily limit was raised from $10k to $100k.
Seems like an invitation for trouble, but then again, it tells me that this is a good mechanism to deposit volume.
But wait, there's more!
The message told me that my daily limit was raised from $10k to $100k.
Seems like an invitation for trouble, but then again, it tells me that this is a good mechanism to deposit volume.
Jun 20, 2014, 9:13 am
#435
Join Date: Aug 2012
Posts: 142
I deposit around $2000 per time, and at most 10K a month. Someone recently reported BoA closing their (very old) account because of MO deposits. So I don't think there are written limits per deposit, but "enough", for some definition of enough, might get bad attention.
For more safety, get another free bank account!
For more safety, get another free bank account!
I just discovered, to my delight, that my grocery accepts debit to MO, and my ATM is right next door.
Much, much more convenient for me than WM and BB, location wise.
Probably still sparingly use WM/BB for variety, but this will save so much time. Thanks again.