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Banks that allow Money Order deposits via Smartphone or ATM(2017-2019)

Banks that allow Money Order deposits via Smartphone or ATM(2017-2019)

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Old Aug 19, 19, 8:08 am   -   Wikipost
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This is a new thread for 2017. The previous discussion can be found here.



Banks that allow Money Order deposits via Smartphone

Allow MO deposits via Smartphone:
  • BB&T. $1,000 per day, $3,000 per month. WU works fine. Doesn't seem to take MoneyGram.
  • 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.)
  • 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.
  • Citibank (500 first 6 months, 1500 thereafter) Citibank does not allow MoneyGram mobile deposits and most ATMs reject the MO.(Ref)
  • Clearview FCU
  • DCU - works, reports of shutdown for MS specific behavior (depositing Money Orders) start in March 2017 (Ref, Ref, Ref posts 99 and onward)
    clears immediately (Ref). Very finicky that the MO be filled out completely and the back is endorsed "for deposit only DCU".
  • Everbank ($50K per day total, no check bigger than $50K) (but see report of shutdown
    Ref)
  • NorthePointe bank. 10 day hold per new accounts <30 days old.
  • 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).
  • 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)
  • SunTrust Only seems to accept WU, posts next day if in before 9pm.
  • United Bank
  • UFB Direct
    prefers MoneyGram MOs; WU MOs work fine also. Will Shut down. (Ref)
  • USAA (Ref)
    May be limited to $1k/day available immediately (Ref), with remainder held for 1 week. User experience: $5k/day. One person reported shutdown after a few months, doing less than 5K mo in MO deposits.(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)

Do not allow MO deposits via Smartphone:
  • Ally
  • Amalgamated Bank (cannot deposit MOs via mobile app)
  • Aspiration
  • 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
  • Barclays. The terms state MOs are not allowed. MG worked twice but not again!
  • Capital One 360 (won't accept MO via mail in deposit either)
  • Chase
  • 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)
  • Eastern Bank. $2500 per day, $7500 per month. Update 3/22/16: Per chat, Eastern no longer accepts MO over Mobile Deposit
  • Fidelity Investments - no MO's accepted at all
  • Fiserv-based credit unions
  • Fulton Bank
  • LMCU Will shut down MO deposits for high volume.
  • Navy Federal Credit Union
  • PNC (Ref)
  • Radius Bank: Mobile deposits no longer allowed
  • Sallie Mae (actually, does not accept money order deposits at all)
  • Santander: MG and WU are a no go
  • TIAA-Direct (3 checks per business day, $10K per day) No longer viable after calls by Candy in Sep 2014.
  • Vanguard - No MO's accepted at all

Allowed Via ATM:
  • BoA - may be deposited at ATM (Ref)
    (Ref)
  • Bank of Oklahoma (BOK)
  • Cambridge Savings Bank (Boston MA area) - accepts MoneyGram at ATM, haven't tested others yet, fund post in 1-2 business days, automatic detection doesn't usually work (have to edit the check amounts) (ref)
  • Capital One Bank/360 - automatic amount detection for Western Union, posts within 1-3 days; Auto detects MoneyGram if the ink is dark enough, available next 1-3 days (Mar 17 Ref); USPS accepted, but not auto detected, available 1-3 days (Mar 17 Ref).
  • Chase - about four days to clear (Ref) (Ref)
  • Citi
    Haven't been able to successfully deposit Western Union but MoneyGram usually works. No longer works, have to deposit with teller.
  • 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
  • Huntington
  • 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
  • M&T Bank -- can deposit MoneyGram, but you have to enter the amount manually.
  • 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.
  • Webster Bank - accepts MoneyGram, need to enter amount manually, funds available next day (Ref), same with USPS Money Orders (Ref) and Western Union
  • Wells Fargo accepts MoneyGram
  • going over even just a few thousand a month.
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Old Feb 12, 17, 11:11 am
  #61  
 
Join Date: Sep 2014
Location: NYC
Posts: 482
Originally Posted by rrayon View Post
Hi, I'm starting out, and I wanted to deposit my MO's directly into my CitiAAdvantage with Citibank branch. Would I have a problem or better to deposit all at my bank, and then pay online via Citi website?
Both ways should work
Amex For Children Of Africa is offline  
Old Feb 15, 17, 5:10 pm
  #62  
 
Join Date: Feb 2017
Posts: 10
Double DP:

On 2/13 I was able to successfully mobile deposit 499.21 into Keybank checking account.

On 2/14 I was also able to successfully mobile deposit 999.21 into US Bank business checking account.
deedszilla is offline  
Old Feb 15, 17, 9:08 pm
  #63  
 
Join Date: Oct 2011
Posts: 4,167
Originally Posted by deedszilla View Post
Double DP:

On 2/13 I was able to successfully mobile deposit 499.21 into Keybank checking account.

On 2/14 I was also able to successfully mobile deposit 999.21 into US Bank business checking account.
Thanks for the data points. What kind of money orders did you deposit?

Welcome to FT
Superorb is offline  
Old Feb 15, 17, 9:51 pm
  #64  
 
Join Date: Feb 2017
Posts: 1
Originally Posted by TheJerm View Post
More mobile deposit DPs:

* Northpointe: Doesn't take USPS, got it to take a $1K MG once but haven't been able to repeat- it can't read amount
* Alden CU: Takes USPS and MG. Posts after 2 business days.
* Star One CU: Takes USPS and MG. Posts immediately. $200K daily limit.
* Tech CU: Haven't tested but it appears they're using the same deposit system as Star One.

Hi. Please let me know if any MOs work with Tech CU, if any, once you have tried any out. I would really appreciate the DP.



I'm debating whether or not to close the account as I've recently got vested in the $150 checking bonus and no longer have much of a need for the account any more.
parrots is offline  
Old Feb 15, 17, 11:07 pm
  #65  
 
Join Date: Feb 2017
Posts: 10
Originally Posted by Superorb View Post
Thanks for the data points. What kind of money orders did you deposit?

Welcome to FT
Thanks!

Yeah I should have added that... they were Western Union from Fred Meyer.
deedszilla is offline  
Old Feb 16, 17, 9:12 am
  #66  
 
Join Date: Oct 2011
Posts: 4,167
Originally Posted by deedszilla View Post
Thanks!

Yeah I should have added that... they were Western Union from Fred Meyer.
Thanks. Let us know once they post to your account.
Superorb is offline  
Old Feb 16, 17, 9:47 pm
  #67  
 
Join Date: Feb 2017
Posts: 10
Originally Posted by Superorb View Post
Thanks. Let us know once they post to your account.
Both have already posted. Keybank took 24 hours. Us Bank $200 was available immediately (I deposited at 7pm) and the next morning the balance was available.
deedszilla is offline  
Old Feb 17, 17, 9:56 am
  #68  
 
Join Date: Oct 2011
Posts: 4,167
Originally Posted by deedszilla View Post
Both have already posted. Keybank took 24 hours. Us Bank $200 was available immediately (I deposited at 7pm) and the next morning the balance was available.
Superorb is offline  
Old Feb 17, 17, 4:54 pm
  #69  
 
Join Date: Dec 2016
Location: SoCal
Posts: 2
I tried to deposit my USPS MO without success with Penfed this morning because it could not read the amount. Penfed CS offered me to send my MO to the nearest processing station which is in Oregon. I just ended up depositing it to my other citi account.
focal2x is offline  
Old Feb 17, 17, 7:01 pm
  #70  
 
Join Date: May 2015
Posts: 66
Originally Posted by parrots View Post
Hi. Please let me know if any MOs work with Tech CU, if any, once you have tried any out. I would really appreciate the DP.



I'm debating whether or not to close the account as I've recently got vested in the $150 checking bonus and no longer have much of a need for the account any more.
I'm in the process of opening an account with them, will post back later.
TheJerm is offline  
Old Feb 28, 17, 2:03 pm
  #71  
 
Join Date: Feb 2015
Posts: 85
I see that Clearview Federal Credit Union is listed as a bank that accepts Money Orders via ATM as well as by app. In my area, they only have the Co-op network ATMs available for deposits. Does anyone have any experience depositing Money Orders into Co-Op network (or other CU network) ATMs or is it a grab bag based on the individual credit union?
mactrader is offline  
Old Feb 28, 17, 11:05 pm
  #72  
 
Join Date: May 2016
Posts: 10
Originally Posted by mactrader View Post
I see that Clearview Federal Credit Union is listed as a bank that accepts Money Orders via ATM as well as by app. In my area, they only have the Co-op network ATMs available for deposits. Does anyone have any experience depositing Money Orders into Co-Op network (or other CU network) ATMs or is it a grab bag based on the individual credit union?
I have experience with a CU that accepts ATM MO deposits, but a shared co-op branch ATM I tested did not work. Granted this is a limited DP, so idk if it's a bank-by-bank YMMV, but I'd also love to see some more DP before I drive all over testing out every co-op ATM I can find. Could very well just be the one shared bank I found doesn't accept ATM MO deposits
nicksterbixter is offline  
Old Mar 1, 17, 4:23 am
  #73  
 
Join Date: Feb 2015
Posts: 85
Originally Posted by nicksterbixter View Post
I have experience with a CU that accepts ATM MO deposits, but a shared co-op branch ATM I tested did not work. Granted this is a limited DP, so idk if it's a bank-by-bank YMMV, but I'd also love to see some more DP before I drive all over testing out every co-op ATM I can find. Could very well just be the one shared bank I found doesn't accept ATM MO deposits
Thanks, I'd like to offer more DPs for you but just realized through the application process that I'm not overtly eligible. Are you in the SW PA area or did you qualify by donating to an organization in their area like other CUs allow you to do? I may just indicate that I volunteer/worship/etc something in that groups of counties but didn't know how well they followed up on that.
mactrader is offline  
Old Mar 2, 17, 5:24 pm
  #74  
 
Join Date: Jan 2016
Posts: 37
Been using Simple for about a 1.5 years so far with no issues. However, I should note that I usually only deposit about 1 to 2 MOs a month for less than 1K and I try to use the debit card a few times a week as well.
raceman94 is offline  
Old Mar 2, 17, 9:05 pm
  #75  
 
Join Date: Oct 2011
Posts: 4,167
Originally Posted by raceman94 View Post
Been using Simple for about a 1.5 years so far with no issues. However, I should note that I usually only deposit about 1 to 2 MOs a month for less than 1K and I try to use the debit card a few times a week as well.
Less than $1k in MOs a month? That's pretty much a statistical zero. I doubt any bank would have problems with numbers that low.
Superorb is offline  

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