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)
Oct 11, 2016, 9:53 pm
#1354
Join Date: Sep 2012
Location: Up In The Cloud
Programs: UA 1K MM; BA S, AA G; AS G; DL | SPG P50, M G, CC G, IHG P, HLT S | Hertz PC, Avis F
Posts: 682
Oct 12, 2016, 8:46 am
#1356
Join Date: Oct 2016
Posts: 17
Has anyone deposited a money order online with serve or ingomoney. Seams to be the same, free money order deposits but require 10 day wait for the money to become available?
Oct 12, 2016, 1:32 pm
#1357
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
I will add some DPs.
WF- accepts deposits at ATm, need to enter in amount.
been depositing north of 10k per month, have pretty lengthy WF relationship
BoA- accepts deposits at ATM, need to enter in amount.
UFBDirect- accepts phone deposit, need to enter amount anyway.
WF- accepts deposits at ATm, need to enter in amount.
been depositing north of 10k per month, have pretty lengthy WF relationship
BoA- accepts deposits at ATM, need to enter in amount.
UFBDirect- accepts phone deposit, need to enter amount anyway.
Oct 16, 2016, 6:28 am
#1358
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356
Kinda noob question here: when depositing checks/MO into an ATM, does the machine take an image of the check/MO and then give it back to you? Or does the machine keep it?
I've been avoiding WM for MOs because I have trouble depositing them via mobile app (up to this point, 80%+ of my MS ends up going thru mobile deposit to various banks). But as I ramp up my volume, it would be helpful to use WM MO because of the fact that a single WM MO goes up to 1000 (my current method is max 500 per MO).
Second, sorta related question: is there anything other than personal preference that would suggest depositing at ATM is more/less safe than going right into the branch and doing it in person? I started slow with PNC as my local physical bank for MS. But I'm hesitant to go into the branch more and more frequently because the women are extremely chatty and seem to ask a lot of questions. Also the branch is very small - typically only 1 teller working - which makes it hard to blend in to the crowd.
Based on above info, I'm interested in depositing WM MO at PNC bank ATMs. But I don't want to shove a WM MO into their ATM and then have the ATM keep it, but not get my money credited to the account, especially if I deposit to an out-of-town ATM.
Thanks for insight. Help here or PM appreciated, as always!
I've been avoiding WM for MOs because I have trouble depositing them via mobile app (up to this point, 80%+ of my MS ends up going thru mobile deposit to various banks). But as I ramp up my volume, it would be helpful to use WM MO because of the fact that a single WM MO goes up to 1000 (my current method is max 500 per MO).
Second, sorta related question: is there anything other than personal preference that would suggest depositing at ATM is more/less safe than going right into the branch and doing it in person? I started slow with PNC as my local physical bank for MS. But I'm hesitant to go into the branch more and more frequently because the women are extremely chatty and seem to ask a lot of questions. Also the branch is very small - typically only 1 teller working - which makes it hard to blend in to the crowd.
Based on above info, I'm interested in depositing WM MO at PNC bank ATMs. But I don't want to shove a WM MO into their ATM and then have the ATM keep it, but not get my money credited to the account, especially if I deposit to an out-of-town ATM.
Thanks for insight. Help here or PM appreciated, as always!
Oct 16, 2016, 11:14 am
#1359
Join Date: Oct 2011
Posts: 4,166
Kinda noob question here: when depositing checks/MO into an ATM, does the machine take an image of the check/MO and then give it back to you? Or does the machine keep it?
I've been avoiding WM for MOs because I have trouble depositing them via mobile app (up to this point, 80%+ of my MS ends up going thru mobile deposit to various banks). But as I ramp up my volume, it would be helpful to use WM MO because of the fact that a single WM MO goes up to 1000 (my current method is max 500 per MO).
Second, sorta related question: is there anything other than personal preference that would suggest depositing at ATM is more/less safe than going right into the branch and doing it in person? I started slow with PNC as my local physical bank for MS. But I'm hesitant to go into the branch more and more frequently because the women are extremely chatty and seem to ask a lot of questions. Also the branch is very small - typically only 1 teller working - which makes it hard to blend in to the crowd.
Based on above info, I'm interested in depositing WM MO at PNC bank ATMs. But I don't want to shove a WM MO into their ATM and then have the ATM keep it, but not get my money credited to the account, especially if I deposit to an out-of-town ATM.
Thanks for insight. Help here or PM appreciated, as always!
I've been avoiding WM for MOs because I have trouble depositing them via mobile app (up to this point, 80%+ of my MS ends up going thru mobile deposit to various banks). But as I ramp up my volume, it would be helpful to use WM MO because of the fact that a single WM MO goes up to 1000 (my current method is max 500 per MO).
Second, sorta related question: is there anything other than personal preference that would suggest depositing at ATM is more/less safe than going right into the branch and doing it in person? I started slow with PNC as my local physical bank for MS. But I'm hesitant to go into the branch more and more frequently because the women are extremely chatty and seem to ask a lot of questions. Also the branch is very small - typically only 1 teller working - which makes it hard to blend in to the crowd.
Based on above info, I'm interested in depositing WM MO at PNC bank ATMs. But I don't want to shove a WM MO into their ATM and then have the ATM keep it, but not get my money credited to the account, especially if I deposit to an out-of-town ATM.
Thanks for insight. Help here or PM appreciated, as always!
Oct 26, 2016, 3:58 pm
#1360
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
Just got my UFB account shut down, probably because of a mix of MOs and using it as a starting point for other bank bonuses. :'(
Oct 26, 2016, 4:23 pm
#1362
Join Date: Oct 2011
Posts: 4,166
Besides WF and Chase, what banks have the newer ATMs that don't require an envelope to deposit checks and MOs? Bank of the west tells me they do, but I checked out 3 branches last week and all of them require envelopes.
Oct 27, 2016, 1:35 pm
#1363
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
Oct 27, 2016, 1:51 pm
#1364
Join Date: May 2015
Posts: 1,066
Nope, its the MOs. They shut me down months ago. They are sensitive to MOs. Things seemed smooth there and never changed any patterns but eventually they'll just shut you down. Only thing that was different at the end was I left more of a balance there as I thought they would like it more if they could earn interest so that it would be a mutually beneficial relationship. oh well.
Oct 27, 2016, 2:01 pm
#1365
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
Nope, its the MOs. They shut me down months ago. They are sensitive to MOs. Things seemed smooth there and never changed any patterns but eventually they'll just shut you down. Only thing that was different at the end was I left more of a balance there as I thought they would like it more if they could earn interest so that it would be a mutually beneficial relationship. oh well.