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 16, 2016, 11:31 pm
#1441
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
Fast option for mobile deposit of Money Gram MOs
Hello, I have been using the UFB Direct mobile app to deposit
MoneyGram MOs; and WU MOs as well.
BUT UFB does not make funds available for 5 business days; then another 2 - 3 days waiting fro ACH transfer.
Anyone know of a fee-free bank or CU that allows mobile deposit of Money Gram MOs AND maks funds available, in say, 1 - 2 business days like most banks do?
Thanks!
MoneyGram MOs; and WU MOs as well.
BUT UFB does not make funds available for 5 business days; then another 2 - 3 days waiting fro ACH transfer.
Anyone know of a fee-free bank or CU that allows mobile deposit of Money Gram MOs AND maks funds available, in say, 1 - 2 business days like most banks do?
Thanks!
Dec 21, 2016, 10:42 am
#1442
Join Date: May 2009
Location: East Coast
Programs: SPG-Hyatt-IHG-UA-AA-MR-UR
Posts: 123
Has anyone have success recently depositing USPS MOs to the PenFed mobile app? I keep getting "amount entered doesn't match detected amount".
Dec 21, 2016, 10:55 am
#1443
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
Hello, I have been using the UFB Direct mobile app to deposit
MoneyGram MOs; and WU MOs as well.
BUT UFB does not make funds available for 5 business days; then another 2 - 3 days waiting fro ACH transfer.
Anyone know of a fee-free bank or CU that allows mobile deposit of Money Gram MOs AND maks funds available, in say, 1 - 2 business days like most banks do?
Thanks!
MoneyGram MOs; and WU MOs as well.
BUT UFB does not make funds available for 5 business days; then another 2 - 3 days waiting fro ACH transfer.
Anyone know of a fee-free bank or CU that allows mobile deposit of Money Gram MOs AND maks funds available, in say, 1 - 2 business days like most banks do?
Thanks!
Dec 21, 2016, 11:02 am
#1444
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
How long were you with them, and what kind of MO volume monthly with them, before they shut you down, if you speak from experience?
** Again, anyone know of a good CREDIT UNION that uses the same Mobile deposit application UFB does? **
Thanks!
Dec 21, 2016, 11:20 am
#1445
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
Thanks for the advice. Even more the reason to have a backup to replace them.
How long were you with them, and what kind of MO volume monthly with them, before they shut you down, if you speak from experience?
** Again, anyone know of a good CREDIT UNION that uses the same Mobile deposit application UFB does? **
Thanks!
How long were you with them, and what kind of MO volume monthly with them, before they shut you down, if you speak from experience?
** Again, anyone know of a good CREDIT UNION that uses the same Mobile deposit application UFB does? **
Thanks!
Dec 21, 2016, 11:32 am
#1446
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
How much notice did they give you before closing your account? Any funds tied up?
Dec 21, 2016, 12:30 pm
#1447
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
Really? I had the UFB acct for more than one year before I did any activity on it; it was more or less dormant. Then, once Bluebird got shutdown, needed another place to deposit MOs. So, in last 6 mos, depositing sometimes more than 5K/mo.
How much notice did they give you before closing your account? Any funds tied up?
How much notice did they give you before closing your account? Any funds tied up?
Dec 23, 2016, 7:44 am
#1448
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
MS'ers dream: CUs that allow mobile MO deps with no hassles
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
Dec 23, 2016, 8:00 am
#1449
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356
I think people that are smart enough to figure out how to MS are also smart enough to find a bank with a mobile app that accepts MOs; all it takes is a few minutes of googling.
Kudos if you truly found mobile app(s) that easily accept MGs. Some people have found workarounds for the MG issue. The only real value I see in what you have done is finding a CU that accepts unaltered MGs, although I don't think I would pay for that info. Cheers
Kudos if you truly found mobile app(s) that easily accept MGs. Some people have found workarounds for the MG issue. The only real value I see in what you have done is finding a CU that accepts unaltered MGs, although I don't think I would pay for that info. Cheers
Dec 23, 2016, 8:32 am
#1450
Join Date: Dec 2016
Posts: 8
How do you guys deposit PO MO? Do you fill out all the address and from?
I tired Chase and LMCU app both did not work. Going to Santander branch later.
I tired Chase and LMCU app both did not work. Going to Santander branch later.
Dec 23, 2016, 2:01 pm
#1451
Suspended
Join Date: Dec 2013
Posts: 632
Hey, after many hours of research, I have figured out which CUs use the robust mobile deposit platform that * easily* allows both Money Gram and Western Union mobile deposits via smartphone, and as credit unions, have no monthly fees, are more relaxed about limits on MO deposits, and are highly unlikely to shut you down.
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
Dec 23, 2016, 2:15 pm
#1452
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
Hey, after many hours of research, I have figured out which CUs use the robust mobile deposit platform that * easily* allows both Money Gram and Western Union mobile deposits via smartphone, and as credit unions, have no monthly fees, are more relaxed about limits on MO deposits, and are highly unlikely to shut you down.
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
Dec 23, 2016, 6:16 pm
#1453
Join Date: Jun 2004
Location: IAD
Programs: All of them to one degree or another
Posts: 447
Can i get tree fiddy?
And if anyone is too lazy to read the whole thread: one trick to try with Money Gram MOs is to leave the receipt stub attached while trying the mobile deposit. For many banks and CUs it appears that the issue is actually the shape and dimensions of the order. Leaving it attached brings it within normal parameters for other checks and MOs. That will be $12 please, and I do accept CCs.
And if anyone is too lazy to read the whole thread: one trick to try with Money Gram MOs is to leave the receipt stub attached while trying the mobile deposit. For many banks and CUs it appears that the issue is actually the shape and dimensions of the order. Leaving it attached brings it within normal parameters for other checks and MOs. That will be $12 please, and I do accept CCs.
Dec 23, 2016, 11:21 pm
#1454
Join Date: May 2013
Location: Sacramento, CA
Posts: 374
Hey, after many hours of research, I have figured out which CUs use the robust mobile deposit platform that * easily* allows both Money Gram and Western Union mobile deposits via smartphone, and as credit unions, have no monthly fees, are more relaxed about limits on MO deposits, and are highly unlikely to shut you down.
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
I am going to set up several new CU accts in advance so that if current bank shuts me down, I am ready to transfer right away to the new acct.
Would MSers being willing to pay for a list of these CUs? How much?
Dec 24, 2016, 4:49 pm
#1455
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
How Many banks have shut you down do far? How many CUs? 