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 7, 2016, 6:51 am
#1426
Join Date: Aug 2013
Posts: 1,207
When I worked retail, MANY years ago, we didn't have to make up register shortages. We just had to sign the log. Now, granted, my shortages were rarely in excess of 10c, but every so often you might be off $1. It happened. Obviously, if it happened often, you'd be out of a job, but we didn't have to make up the shortage. In many states, it's actually illegal, and it's certainly illegal if any deductions would take your wages below the federal or state minimum wage.
Dec 10, 2016, 9:36 pm
#1427
Join Date: Jul 2010
Posts: 102
In other news, as data point for those in the NE area, Hannaford does WU MO up to $500 for $1, and ice cream debit w/pin is OK, unlike WM. Worked out nicely to get rid of one purchased with the discounted $500 FB card from GCM's sale. That particular MO was read at ATM just fine @ TDBank
Last edited by vacaloca; Dec 10, 2016 at 9:41 pm
Dec 11, 2016, 5:06 am
#1428
Join Date: Jul 2016
Location: NY
Posts: 523
While interesting idea, this might increase the chances for an audit I would think, even if the amount matches if someone notices. YMMV on this.
In other news, as data point for those in the NE area, Hannaford does WU MO up to $500 for $1, and ice cream debit w/pin is OK, unlike WM. Worked out nicely to get rid of one purchased with the discounted $500 FB card from GCM's sale. That particular MO was read at ATM just fine @ TDBank
In other news, as data point for those in the NE area, Hannaford does WU MO up to $500 for $1, and ice cream debit w/pin is OK, unlike WM. Worked out nicely to get rid of one purchased with the discounted $500 FB card from GCM's sale. That particular MO was read at ATM just fine @ TDBank
Dec 11, 2016, 6:21 am
#1429
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356
Anybody else using Northpointe? I've been doing 1-3k/month without issue, but wondering if anyone else is doing more?
Dec 11, 2016, 10:00 am
#1432
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
Dec 11, 2016, 10:23 am
#1433
Join Date: May 2015
Posts: 1,066
Small amount here as well since they have such a long hold on the funds. But since i can no longer get kroger WU MOs ive stopped using. Do they accept MGs or PO MOs?
Dec 12, 2016, 10:42 pm
#1434
Suspended
Join Date: Dec 2013
Posts: 632
Anyone use Digital Credit Union (DCU) for MO's?
Dec 15, 2016, 6:32 am
#1435
Join Date: Oct 2014
Location: Salt Lake City, UT
Programs: AAdvantage Platinum, DL Diamond 1MM, Hyatt Platinum, SPG Gold, Hilton Diamond, AMEX 2015 Centurion
Posts: 323
I have for the past year with no issues...I deposit about $10-$15k/month into this account. Each western union MO deposit I have ever done always requires a manual review of the deposit which is usually done the same business day...once approved, funds are available immediately. Something interesting, I don't normally get MoneyGram MO however, I just got one 2 weeks ago while at WM and used my DCU account to deposit. This was the first time I have actually seen the deposit be automatically accepted and approved (no manual review was required); funds were available immediately.
Dec 15, 2016, 9:56 am
#1436
Join Date: Oct 2011
Posts: 4,166
Is DCU a hard or soft pull, and can anyone open it?
Dec 15, 2016, 11:40 am
#1437
Join Date: Oct 2014
Location: Salt Lake City, UT
Programs: AAdvantage Platinum, DL Diamond 1MM, Hyatt Platinum, SPG Gold, Hilton Diamond, AMEX 2015 Centurion
Posts: 323