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Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

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Old Feb 3, 17, 3:19 am   -   Wikipost
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Last edit by: ChrisFlyer66
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http://www.flyertalk.com/forum/manuf...-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.
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Old Sep 16, 14, 4:47 pm
  #616  
 
Join Date: Dec 2008
Location: Northern VA
Programs: DL Diamond, Marriott Titanium, National Car Exec Elite
Posts: 286
Originally Posted by silver6054 View Post
I noticed my mobile deposit was disabled and called. Someone re-enabled it. But today got the call from Candy and she said they were closing my account. I've had the account a long time (~4 years) and only in the last few months did MO deposit. $2,500 in the last 90 days and probably about that in the previous 90 days.

So I seem to be hit with closure because of a change based on a longer history.
I just received a letter that my account is being closed. Only open for 4 months, made 5 deposits - 2 of them w/ mobile app.

Used bill pay for all the deposits.
troydwhite is offline  
Old Sep 16, 14, 4:51 pm
  #617  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by silver6054 View Post
As TIAA closed the account, I assume I get a negative ding on ChexSystems or somewhere. How bad is that, i.e. should I expect other accounts to start closing?
The bank may not have reported it. You can request a free copy of your chexsystems report once a year just like your credit reports and see. Also, none of your current banks are likely to shut yours down unless you request another account open and they pull your chexsystems report again and see something negative there.
floressalicis is offline  
Old Sep 17, 14, 7:51 am
  #618  
 
Join Date: Aug 2011
Posts: 404
for those of you that have had an account closed, are you receiving any kind of negative mark on your chex report?
bar19900 is offline  
Old Sep 17, 14, 8:04 am
  #619  
 
Join Date: Aug 2013
Posts: 71
I have deposited a couple MG MOs to my Discover checking using a moblie app in the past. However the last 2 times i got an error saying it could not accept it. Is anyone else seeing this problem?
NCianflone is offline  
Old Sep 17, 14, 8:39 am
  #620  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by NCianflone View Post
I have deposited a couple MG MOs to my Discover checking using a moblie app in the past. However the last 2 times i got an error saying it could not accept it. Is anyone else seeing this problem?
Yes. I cannot get Discover to accept MG MOs. It took them for processing with the stub left on but then a day later I received an email saying the deposit was rejected.
floressalicis is offline  
Old Sep 17, 14, 11:32 am
  #621  
 
Join Date: Dec 2009
Location: DEN
Posts: 477
Discover prefers WU MOs, I've had a 100% acceptance rate with WU MOs for the last year.
brc01 is offline  
Old Sep 17, 14, 11:45 am
  #622  
 
Join Date: Aug 2013
Posts: 71
Originally Posted by brc01 View Post
Discover prefers WU MOs, I've had a 100% acceptance rate with WU MOs for the last year.
Can you buy $1000 WU MOs with a debit card for .70 at grocery stores?
NCianflone is offline  
Old Sep 17, 14, 4:58 pm
  #623  
 
Join Date: Nov 2012
Posts: 125
You are not alone. My last MG MO deposit got rejected too. called to CS today and got 2 silly reps including a supervisor kept saying they not accept international MO even I kept telling the MO purchased at WM many times. The whole conversation was hard. they were too lazy to take a look at the MO at the beginning and asked me the questions like 1) is the MO in US dollars; 2) is the MO from a US bank. I told them it's from MG and was purchased from WM. they insisted this is an international MO because there is a sign "international money order" on the top right. I laughed and thank them and hung up.

They even did not know MG, lol!

Originally Posted by NCianflone View Post
I have deposited a couple MG MOs to my Discover checking using a moblie app in the past. However the last 2 times i got an error saying it could not accept it. Is anyone else seeing this problem?
zgrzfg is offline  
Old Sep 17, 14, 6:09 pm
  #624  
 
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
Originally Posted by NCianflone View Post
Can you buy $1000 WU MOs with a debit card for .70 at grocery stores?
Such placed exist in the US, yes. Whether you can conveniently get to such places is another story.
floressalicis is offline  
Old Sep 17, 14, 6:47 pm
  #625  
 
Join Date: Dec 2009
Posts: 138
Originally Posted by NCianflone View Post
Can you buy $1000 WU MOs with a debit card for .70 at grocery stores?
That'd be almost double what I pay.
skibum3d is offline  
Old Sep 18, 14, 1:55 pm
  #626  
 
Join Date: May 2014
Posts: 145
why is the wiki not updating discover not taking mg mo ?
Furyleader is offline  
Old Sep 18, 14, 2:02 pm
  #627  
 
Join Date: Aug 2013
Posts: 71
so where are the best places to get WU money orders and what are the limit and fees?
NCianflone is offline  
Old Sep 18, 14, 8:27 pm
  #628  
Suspended
 
Join Date: Sep 2014
Posts: 8
Originally Posted by skibum3d View Post
That'd be almost double what I pay.
Now there's no reason to fuss about it. Where's that at, skiboy?
SerialSerious is offline  
Old Sep 19, 14, 9:12 am
  #629  
 
Join Date: Jul 2014
Posts: 84
"That'd be almost double what I pay."

oh my... but where?
Walmero is offline  
Old Sep 19, 14, 12:37 pm
  #630  
 
Join Date: Feb 2014
Posts: 148
Originally Posted by bar19900 View Post
for those of you that have had an account closed, are you receiving any kind of negative mark on your chex report?
I would like to know as well.
kenshinluo is offline  

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