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 24, 2014, 5:59 pm
#451
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
I did a WU yesterday then did one MG today, tried to do a 2nd MG and it would not go through no matter how many times I tried it. Ended up dropping that one into one of my CU accounts.
Jun 24, 2014, 6:40 pm
#452
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Haven't used this account much recently since I've been buying most of my MO places other than WM but I have never had a problem depositing multiple MG MOs in one session.
Jun 24, 2014, 6:41 pm
#453
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Jun 24, 2014, 6:42 pm
#454
Join Date: Dec 2009
Location: DEN
Posts: 502
The wiki used to say very clearly that Discover prefers WU. Why was this removed? Can someone please re-add this.
Jun 24, 2014, 6:45 pm
#455
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Jun 24, 2014, 7:11 pm
#457
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Yes, I did one MG right before I tried the 2nd one. 2nd one wouldn't process through, don't know why. My Discover checking account is very new maybe that is the reason.
Last edited by Fuerza; Jun 24, 2014 at 8:06 pm
Jun 24, 2014, 7:35 pm
#458
Suspended
Join Date: May 2014
Location: ILG/PHL
Programs: Amex Plat, AA Gold, SPG Gold, Hyatt Gold, HHonors Gold, Carlson Gold
Posts: 1,075
Jun 24, 2014, 9:16 pm
#459
Join Date: Apr 2014
Posts: 14
anyone has experience with first niagara bank, especially mobile depositing MOs?
Jun 25, 2014, 5:49 am
#460
Join Date: Jan 2013
Location: Fishers, IN
Posts: 105
How much MO is everyone pumping through Discover monthly? I'm doing like 5 to 10k so far, but will up my game now that the OV -> BB game is over.
Jun 25, 2014, 6:46 am
#461
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Jun 25, 2014, 9:59 am
#464
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Data Point: Discover checking deposits are showing up, but there is a hold on the funds. One deposit after 6pm on the 23rd, another yesterday during business hours.
To protect the integrity of your account, deposits to your account are subject to an availability hold. Funds on hold are not reflected in your Available Balance until the hold period has expired.