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)
Dec 5, 2016, 7:21 am
#1411
Join Date: Aug 2013
Posts: 1,207
Damn, just deposited two MOs and realized the clerk typed in the wrong amount at the grocery store. The WU MOs should have been $499.01 after fees but both MOs were $500. Wondering if the money orders will bounce given the grocery store was short on the payment (I used 2 $500 GCs)
Dec 5, 2016, 9:32 am
#1412
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
Damn, just deposited two MOs and realized the clerk typed in the wrong amount at the grocery store. The WU MOs should have been $499.01 after fees but both MOs were $500. Wondering if the money orders will bounce given the grocery store was short on the payment (I used 2 $500 GCs)
Dec 5, 2016, 11:04 am
#1413
Join Date: Aug 2013
Posts: 1,207
Well that's not entirely accurate. The store could void the money order, especially since not paid in cash, and the money would go back to the cards. In that case the issued money order would 'bounce'. But most stores would just make the cashier pay the difference since it was their error.
Dec 5, 2016, 12:57 pm
#1414
Join Date: Sep 2015
Posts: 206
I got the can't recognize screen, but then after entering the amount, it just said returning your check and spit it back out. Tried again and same result. I just went into the branch the next day. They don't seem to have a problem with it and it's low volume.
Dec 5, 2016, 1:14 pm
#1415
Join Date: Jun 2013
Posts: 8
Anyone have a workaround for the PenFed "amount entered doesn't match amount shown" error? I haven't been able to use the app for a few months now because of it.
This is for USPS MO
This is for USPS MO
Dec 5, 2016, 5:49 pm
#1417
Join Date: Sep 2014
Location: NYC
Posts: 498
Suntrust seems to not accept MO through the app anymore. They gave me a mailing address but I don't think it's worth sending so much money in the mail on a monthly basis. Will likely close the account this week, as branches are hours away.
Dec 5, 2016, 5:55 pm
#1418
Join Date: Feb 2015
Posts: 595
Well that's not entirely accurate. The store could void the money order, especially since not paid in cash, and the money would go back to the cards. In that case the issued money order would 'bounce'. But most stores would just make the cashier pay the difference since it was their error.
Dec 5, 2016, 6:13 pm
#1419
Join Date: May 2015
Posts: 66
My experiences with mobile deposits:
- Simple: will not read MG, will say when trying PO that MOs cannot be accepted on mobile and need to be mailed in
- Wells Fargo: MG and PO amounts not recognized
- Northpointe: MG and PO amounts not recognized
- Alden: MG works and deposits after ~3 days, PO amounts not recognized. No limit stated.
- Star One CU: MG works. $200K daily limit O.O
Last edited by TheJerm; Dec 7, 2016 at 2:37 pm
Dec 5, 2016, 7:50 pm
#1420
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
My experiences:
- Simple: will not read MG, will say when trying PO that MOs cannot be accepted on mobile and need to be mailed in
- Wells Fargo: MG and PO amounts not recognized
- Northpointe: MG and PO amounts not recognized
- Alden: MG works and deposits after ~3 days, PO amounts not recognized. No limit stated.
Dec 6, 2016, 2:41 pm
#1423
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