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)
Apr 4, 2016, 10:20 am
#1082
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,407
I neither condemned nor said I disliked. I'm simply amazed at the amount of details some disclose, such as details which a financial institution could narrow down to an individual. I don't think some realize how much is monitored here and the potential for adverse reactions. Maybe some members feel more shielded in privacy and therefore feel they can be more open. It's up to each person how much discretion they feel is wise. Institutions and their customers love this site, but for different reasons.
Last edited by Churnman; Apr 4, 2016 at 10:25 am
Apr 5, 2016, 5:46 pm
#1083
Join Date: Jan 2016
Posts: 36
FYI,
Looks like LMCU does not have an option to ACH push. They only have bill pay, which does me no good. That was a waste of a hard pull.
Looks like LMCU does not have an option to ACH push. They only have bill pay, which does me no good. That was a waste of a hard pull.
Apr 5, 2016, 8:52 pm
#1084
Join Date: May 2015
Posts: 1,066
Anyone know what is safe to push through Penfed? I found a place that might be a potential option for WU MOs. I deposited 2 of them tonight, but want to tread very lightly with Penfed.
Apr 6, 2016, 6:55 am
#1087
Join Date: Sep 2015
Posts: 476
First Tennessee is a no go for me. Deposited one mo last night through the app and it was rejected this morning. I didn't endorse it with "for deposit to First Tennesse" because of the risk of not being able to deposit it anywhere else, in case they just don't accept mo's through the app. I also don't live anywhere near one of their banks.
Apr 6, 2016, 10:16 am
#1089
Join Date: May 2012
Posts: 684
BMO Harris
any experience on BMO Harris mobile deposit? Thanks
Apr 6, 2016, 8:04 pm
#1090
Join Date: Jun 2014
Posts: 90
Wells fargo mobile app is giving me a red error message. It's saying that my pics don't match the typed in amount.
Anyone else having this issue?
Anyone else having this issue?
Apr 8, 2016, 8:42 am
#1093
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,407
Some people like to live on the edge, or go as close to the bear's cave as they can. I know one person on here recently who got the boot for doing that. Then, there are others who never had problems, but it only takes one incident to ruin things. I know someone else who thought everything was fine (and wasn't even depositing much) and then one day there was a problem with a deposit that could only be rectified by back office and they ended up getting all their w accounts shutdown (cc and chking).
Apr 9, 2016, 8:44 am
#1095
Join Date: Dec 2013
Posts: 27
Anybody local to South NJ area? Have a few accounts open but need to have more options as I am looking to ramp up things. PM please.