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Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

Old Jan 25, 2014, 11:43 am
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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:
  • 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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Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

Old Dec 24, 2016, 4:51 pm
  #1456  
 
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
Originally Posted by DeaconY
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.
Thanks, Deacon; good tip on the receipt stub left in place for MG. Will try it and report back results. That may be worth "tree fiddy figh" or 12 dollah ...
fletchbo is offline  
Old Dec 24, 2016, 4:52 pm
  #1457  
 
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
Originally Posted by Wonko
A penny, but you have to pay the postage and pay me a dollar for my trouble.
Har har har!
fletchbo is offline  
Old Dec 25, 2016, 12:00 am
  #1458  
 
Join Date: Dec 2016
Location: SF
Programs: Elite status at local McDonalds, Carwash, and Post Office
Posts: 51
Anyone have feelings about DCU? Just opened a side account with them for MO's.
CJS415 is offline  
Old Dec 25, 2016, 1:51 am
  #1459  
Suspended
 
Join Date: Dec 2013
Posts: 632
Originally Posted by CJS415
Anyone have feelings about DCU? Just opened a side account with them for MO's.
i asked about them on the previous page.
flyertalker9867674 is offline  
Old Dec 25, 2016, 6:24 am
  #1460  
 
Join Date: Jan 2015
Posts: 59
Any recent datapoints about mobile depositing with BB&T? Wiki says okay but when I read the fine print for mobile deposit, money orders are in the "things you should not use mobile deposit for" list.
jdbcc is offline  
Old Dec 25, 2016, 11:53 pm
  #1461  
 
Join Date: Dec 2016
Location: SF
Programs: Elite status at local McDonalds, Carwash, and Post Office
Posts: 51
Originally Posted by RamboAroundTheWorld
i asked about them on the previous page.
I'll go ahead and take that as a no, guessing your "companion list" is extensive.
CJS415 is offline  
Old Feb 3, 2017, 11:17 am
  #1462  
 
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,668
thread closure

Please continue this discussion here:
http://www.flyertalk.com/forum/manuf...tm-2017-a.html
ChrisFlyer66 is offline  

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