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

Old Feb 3, 2017, 11:18 am
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Last edit by: vagrants
This is a new thread for 2017. The previous discussion can be found here.

Moneygram does not allow mobile app MO deposit regardless of whether or not the bank allows it. However, this policy doesn't seem to be enforced. You can still deposit via ATM or in person.

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
  • Huntington 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
  • TD Ameritrade: doesn't take MO period. Not by app, mail, or in person.
  • 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). Cleared next day.
  • 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 - Since the ATM upgrade, WU MO gets rejected. Needs to be deposited with teller.
  • 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
  • Santander - ATM accepts MoneyGram, often need to edit the amount. Reports of locked funds, YMMV. (ref)
  • 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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Banks that allow Money Order deposits via Smartphone or ATM(2017-onward)

Old Aug 20, 2017, 7:02 am
  #226  
 
Join Date: Jul 2016
Location: SoCal
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Posts: 100
Originally Posted by vacaloca
Didn't work for me either today, and lighting / MO print was good. Believe WU MO is what works for WF, and even then they might flag it.
Yes, WU do work with the WF app. At least with my accounts only a partial amount is available same day with mobile deposits, doesnt matter if its a check or MO.
dmac1418 is offline  
Old Aug 23, 2017, 9:03 am
  #227  
 
Join Date: Jul 2016
Posts: 45
Does anyone have tips on getting Capital One 360 taking MO via ATM? Half the time it works and the other half it rejects it. So far only tried WU, will be trying USPS MO soon (Based on previous DP USPS works also).

Last edited by LearninghowtoMS; Aug 23, 2017 at 9:13 am
LearninghowtoMS is offline  
Old Aug 23, 2017, 1:50 pm
  #228  
 
Join Date: Mar 2004
Location: Atl
Posts: 253
Suntrust

So, just to confirm the WIKI, Suntrust allows neither ATM WM MO deposits nor any MO's by smartphone?

Thanks
trey is offline  
Old Aug 24, 2017, 7:13 am
  #229  
 
Join Date: Feb 2016
Location: USA
Posts: 44
Originally Posted by trey
So, just to confirm the WIKI, Suntrust allows neither ATM WM MO deposits nor any MO's by smartphone?

Thanks
SunTrust allows all MO's via ATM. Just the mobile app doesn't allow MG MO's
vgtest1980 is offline  
Old Aug 27, 2017, 1:27 pm
  #230  
 
Join Date: Oct 2008
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Datapoint...I was able to deposit a MG with PenFed this week. At first it didn't like it, I then zoomed way in (so the "corner" indicators on the screen were overlapping the MO a bit), and it took it. The next one I tried a few days later I couldn't get to take at all with the "amount detected doesn't match" error. But the ink was very faint. Possibly PenFed can work with strong ink quality.
maracle is offline  
Old Aug 29, 2017, 6:39 am
  #231  
 
Join Date: Oct 2015
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Originally Posted by LearninghowtoMS
Does anyone have tips on getting Capital One 360 taking MO via ATM? Half the time it works and the other half it rejects it. So far only tried WU, will be trying USPS MO soon (Based on previous DP USPS works also).
Usually if it's not working, I just cancel the deposit and try again (or try another ATM). Works for me, never had one that I can't get through after 2 or 3 tries, usually 1st try. This is for USPS and MG, haven't actually tries WU.
financialhippie is offline  
Old Sep 9, 2017, 2:27 pm
  #232  
 
Join Date: Feb 2016
Location: USA
Posts: 44
New DP: Tried depositing MG MO via Suntrust ATM, and it didn't accept. Tried at a different branch also (thought it might be a specific ATM machine issue) but it again cancelled the transaction and returned the MO. Looks like Suntrust is no longer accepting MO's via ATM

Anyone who recently tried depositing MO via Suntrust ATM?
vgtest1980 is offline  
Old Sep 10, 2017, 9:59 am
  #233  
 
Join Date: Nov 2008
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Posts: 8
Originally Posted by vgtest1980
New DP: Tried depositing MG MO via Suntrust ATM, and it didn't accept. Tried at a different branch also (thought it might be a specific ATM machine issue) but it again cancelled the transaction and returned the MO. Looks like Suntrust is no longer accepting MO's via ATM

Anyone who recently tried depositing MO via Suntrust ATM?
I just recently (on Friday) deposited a WU MO to a Suntrust ATM with no issues.
asb002 is offline  
Old Sep 11, 2017, 8:42 pm
  #234  
 
Join Date: Feb 2016
Location: USA
Posts: 44
Originally Posted by asb002
I just recently (on Friday) deposited a WU MO to a Suntrust ATM with no issues.
It might be just an issue with MG MO and I tried on Saturday. Hopefully Suntrust won't just stop accepting MG MO.
vgtest1980 is offline  
Old Sep 15, 2017, 6:42 am
  #235  
 
Join Date: Mar 2004
Location: Atl
Posts: 253
Today, at an Atlanta Suntrust ATM, it rejected a deposit of WM MO.
trey is offline  
Old Sep 15, 2017, 9:41 pm
  #236  
 
Join Date: Feb 2016
Location: USA
Posts: 44
Originally Posted by trey
Today, at an Atlanta Suntrust ATM, it rejected a deposit of WM MO.
Yes, I tried again a WM (MG) MO and suntrust ATM rejected that. I think Suntrust has stopped accepting WM (MG) MO altogether. Well, i'll wait for another couple of weeks to see if a temporary glitch, otherwise its time to close my Suntrust account. I opened a account with them only to deposit MO's
vgtest1980 is offline  
Old Sep 27, 2017, 12:56 am
  #237  
 
Join Date: Feb 2015
Posts: 2
nvm..

Last edited by joesel917; Sep 27, 2017 at 7:32 pm
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Old Oct 13, 2017, 3:31 pm
  #238  
 
Join Date: Jun 2012
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Any recent DPs on if WU works on Schwab? The print on the Kroger MO I just got (WU) is not the darkest...
pritomd is offline  
Old Oct 21, 2017, 10:07 am
  #239  
 
Join Date: Aug 2017
Posts: 32
Originally Posted by kannon99
BMO app took my mobile deposit
TCF app could not recognize MO
Were you able to successfully complete the deposit with bmo?
Thanks.
el_pistolero is offline  
Old Oct 21, 2017, 4:52 pm
  #240  
 
Join Date: Dec 2016
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PenFed, just signed up for new account - 90 day period before mobile deposit is activated.
808pineapple is offline  

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