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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 May 28, 16, 10:11 am
  #1186  
 
Join Date: Oct 2015
Posts: 155
Originally Posted by cdog999 View Post
Anyone have experience with either NorthPoint? I may open a few more accounts just in case one of the jerk banks tries to screw me on Chex.
Signed up with out doing research, MG MOs fail as the app has to detect the exact amount you type in for input from the MO, if it doesn't match, it doesn't go through.
msthegame is offline  
Old May 28, 16, 10:45 am
  #1187  
 
Join Date: May 2015
Posts: 1,066
Originally Posted by msthegame View Post
Signed up with out doing research, MG MOs fail as the app has to detect the exact amount you type in for input from the MO, if it doesn't match, it doesn't go through.
Thanks, any idea about Post Office MOs? Have you tried those?
cdog999 is offline  
Old May 28, 16, 12:21 pm
  #1188  
 
Join Date: Oct 2015
Posts: 155
Never gotten those, will try WU MO's and if that doesn't work, I'll just forget about the account.
msthegame is offline  
Old May 28, 16, 6:57 pm
  #1189  
 
Join Date: Oct 2011
Posts: 4,163
Are there any data points for the following banks not listed in the wiki?

First Tennessee
Santander (MG and WU no go)
Bank of the West (looks like no go)
Radius bank (mobile deposits no longer allowed)
Amalgamated Bank (cannot deposit MOs via mobile app)

Last edited by Superorb; Jun 10, 16 at 10:46 am
Superorb is offline  
Old May 28, 16, 7:07 pm
  #1190  
 
Join Date: Jan 2015
Posts: 1,112
Originally Posted by Superorb View Post
Are there any data points for the following banks not listed in the wiki?

First Tennessee
Santander
Bank of the West
Radius bank
Amalgamated Bank
Radius Bank no longer allows mobile deposits. They allow via mail or ATM. There are no known shutdown reports.
Phantom707 is offline  
Old May 28, 16, 7:10 pm
  #1191  
 
Join Date: Oct 2011
Posts: 4,163
Originally Posted by Phantom707 View Post
Radius Bank no longer allows mobile deposits. They allow via mail or ATM. There are no known shutdown reports.
Thanks.
Superorb is offline  
Old May 28, 16, 8:36 pm
  #1192  
 
Join Date: Jan 2015
Posts: 56
Originally Posted by Superorb View Post
Are there any data points for the following banks not listed in the wiki?

First Tennessee
Santander
Bank of the West (looks like no go)
Radius bank (mobile deposits no longer allowed)
Amalgamated Bank
Santander in USA doesn't take money gram or usps. Never tried WU but I wouldn't bet on it.
TopSpin46 is offline  
Old May 28, 16, 9:26 pm
  #1193  
 
Join Date: Oct 2011
Posts: 4,163
Originally Posted by TopSpin46 View Post
Santander in USA doesn't take money gram or usps. Never tried WU but I wouldn't bet on it.
Thanks, updated.
Superorb is offline  
Old May 29, 16, 2:55 am
  #1194  
 
Join Date: Jan 2016
Posts: 37
Originally Posted by cashcyclone View Post
Discover Bank send me msg that they will no longer accept MO via app and I'd have to mail it in for deposit.
I've never been able to deposit MOs via the app with Discover. Strange...
raceman94 is offline  
Old May 29, 16, 11:23 pm
  #1195  
 
Join Date: Apr 2005
Location: Cambridge, MA
Programs: AAdvantage Platinum
Posts: 262
Originally Posted by TopSpin46 View Post
Santander in USA doesn't take money gram or usps. Never tried WU but I wouldn't bet on it.
I've had no issues depositing Western Union MOs either using the Santander mobile app or at an ATM.

Santander did send an email recently saying that USPS MOs would no longer be accepted by mobile (ATM is still allowed), but I have no personal experience with those.
lmagnott is offline  
Old May 30, 16, 7:44 am
  #1196  
 
Join Date: May 2016
Posts: 506
Originally Posted by raceman94 View Post
I've never been able to deposit MOs via the app with Discover. Strange...
Last time the accepted my MO via app was 4/20/16 but next one did not go through and few days later i got that msg from them.
cashcyclone is offline  
Old May 31, 16, 10:30 pm
  #1197  
 
Join Date: Jun 2013
Posts: 55
Anyone use Fifth Third Bank? I've been using them for a few months now (pretty small amounts). I hadn't deposited any in about a month. I tried to today and it keeps failing and telling me to deposit the check in branch. I can't tell if its just having trouble reading WU MOs right now or if they arent allowed anymore (for the general public and/or just me)
rihc55 is offline  
Old Jun 1, 16, 4:42 am
  #1198  
 
Join Date: May 2014
Posts: 7
Originally Posted by cashcyclone View Post
Fifth Third Bank is good for MO via app and they clear after 2 business days.
Hello I have been trying to use Fifth Third for past 2 weeks and I keep getting error message to visit branch. Have you tried to deposit any MO lately?
carlosmendia is offline  
Old Jun 1, 16, 4:44 am
  #1199  
 
Join Date: May 2014
Posts: 7
Originally Posted by rihc55 View Post
Anyone use Fifth Third Bank? I've been using them for a few months now (pretty small amounts). I hadn't deposited any in about a month. I tried to today and it keeps failing and telling me to deposit the check in branch. I can't tell if its just having trouble reading WU MOs right now or if they arent allowed anymore (for the general public and/or just me)
I am having same issue, its been happening for last 2 weeks or so, my wife will to to branch today and deposit
carlosmendia is offline  
Old Jun 1, 16, 5:39 am
  #1200  
 
Join Date: Sep 2014
Posts: 1,837
.....

Last edited by lumangoy; Jun 1, 16 at 5:46 am
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