Feb 3, 2017, 11:18 am
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:
Do not allow MO deposits via Smartphone:
Allowed Via ATM:
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.
Banks that allow Money Order deposits via Smartphone or ATM(2017-onward)
Oct 13, 2018, 11:26 am
#362
Join Date: Dec 2001
Location: Las Vegas
Programs: DL DM, AA PlatPro, Hilton DM, Hyatt Glob, Marriott Titanium, Hertz PC, National EE
Posts: 1,532
They called me up about a year ago and told me to stop depositing money orders in 30 days. They were nice about it, gave me some time, and just told me to stop.
I still deposit every once in a while, but don't push it. Since USAA allows $5K day of instant transfers, it's easy to deposit into a secondary account and transfer if you want to keep your USAA account as the "hub" account.
I still deposit every once in a while, but don't push it. Since USAA allows $5K day of instant transfers, it's easy to deposit into a secondary account and transfer if you want to keep your USAA account as the "hub" account.
Nov 5, 2018, 11:36 pm
#364
Join Date: Dec 2014
Posts: 177
Got shut down by US Bank today.
Account opened mid-2017 for the $250 welcome offer, then started depositing MOs back in January, then averaged about $10k a month for most of the year, but had one big deposit of around $20k in mid August, then nothing in September, then a $6k deposit mid-October. All deposits were made at ATMs. Account was otherwise dormant (just kept $1500 in there to avoid the maintenance fees).
I received a letter today dated November 1st that my account will be closed on November 16th, unless I close it on my own by then. It doesn't give a specific reason but since the MOs were the only activity on the account, it's pretty easy to guess.
I obviously don't care about the account (or I wouldn't have deposited MOs in the first place), but just wanted to give a data point.
Account opened mid-2017 for the $250 welcome offer, then started depositing MOs back in January, then averaged about $10k a month for most of the year, but had one big deposit of around $20k in mid August, then nothing in September, then a $6k deposit mid-October. All deposits were made at ATMs. Account was otherwise dormant (just kept $1500 in there to avoid the maintenance fees).
I received a letter today dated November 1st that my account will be closed on November 16th, unless I close it on my own by then. It doesn't give a specific reason but since the MOs were the only activity on the account, it's pretty easy to guess.
I obviously don't care about the account (or I wouldn't have deposited MOs in the first place), but just wanted to give a data point.
Nov 6, 2018, 6:00 am
#365
Join Date: Nov 2014
Posts: 261
Got shut down by US Bank today.
Account opened mid-2017 for the $250 welcome offer, then started depositing MOs back in January, then averaged about $10k a month for most of the year, but had one big deposit of around $20k in mid August, then nothing in September, then a $6k deposit mid-October. All deposits were made at ATMs. Account was otherwise dormant (just kept $1500 in there to avoid the maintenance fees).
I received a letter today dated November 1st that my account will be closed on November 16th, unless I close it on my own by then. It doesn't give a specific reason but since the MOs were the only activity on the account, it's pretty easy to guess.
I obviously don't care about the account (or I wouldn't have deposited MOs in the first place), but just wanted to give a data point.
Account opened mid-2017 for the $250 welcome offer, then started depositing MOs back in January, then averaged about $10k a month for most of the year, but had one big deposit of around $20k in mid August, then nothing in September, then a $6k deposit mid-October. All deposits were made at ATMs. Account was otherwise dormant (just kept $1500 in there to avoid the maintenance fees).
I received a letter today dated November 1st that my account will be closed on November 16th, unless I close it on my own by then. It doesn't give a specific reason but since the MOs were the only activity on the account, it's pretty easy to guess.
I obviously don't care about the account (or I wouldn't have deposited MOs in the first place), but just wanted to give a data point.
Nov 8, 2018, 9:43 am
#366
Join Date: Nov 2013
Programs: AS Gold, Hyatt Diamond, Starriott LTPP
Posts: 341
USAA App Deposit
At least for my USAA account, there is a limit of $1000/day that can be available instantly. Any amounts beyond $1000 are held for 1 week.
These limits seem to apply across accounts (e.g., I can't do $1000 checking and $1000 savings deposit).
These limits seem to apply across accounts (e.g., I can't do $1000 checking and $1000 savings deposit).
Jan 22, 2019, 8:28 am
#369
Join Date: May 2017
Location: USA
Posts: 207
Some DPs of recently trying to upload WU MO's.
Regions - could not capture despite using black background and flash.
Varo - accepted MO just fine. Will slowly test how much they tolerate, but hesitant to do much because they have no physical location as backup for deposit.
Regions - could not capture despite using black background and flash.
Varo - accepted MO just fine. Will slowly test how much they tolerate, but hesitant to do much because they have no physical location as backup for deposit.
Jan 22, 2019, 9:06 am
#370
Join Date: Nov 2006
Location: Left Coast
Programs: UA 1K & 1MM, HH Diamond, Marriott/SPG Gold (UA comp)
Posts: 1,353
Some DPs of recently trying to upload WU MO's.
Regions - could not capture despite using black background and flash.
Varo - accepted MO just fine. Will slowly test how much they tolerate, but hesitant to do much because they have no physical location as backup for deposit.
Regions - could not capture despite using black background and flash.
Varo - accepted MO just fine. Will slowly test how much they tolerate, but hesitant to do much because they have no physical location as backup for deposit.
Jan 22, 2019, 9:29 am
#371
Join Date: May 2017
Location: USA
Posts: 207
Jan 22, 2019, 9:43 am
#372
Join Date: Apr 2012
Posts: 213
Jan 22, 2019, 10:30 am
#373
Join Date: May 2017
Posts: 30
Jan 22, 2019, 11:20 am
#374
Join Date: May 2017
Location: USA
Posts: 207
Jan 22, 2019, 6:51 pm
#375
Join Date: Jun 2014
Location: MSP
Posts: 53
Some DPs of recently trying to upload WU MO's.
Regions - could not capture despite using black background and flash.
Varo - accepted MO just fine. Will slowly test how much they tolerate, but hesitant to do much because they have no physical location as backup for deposit.
Regions - could not capture despite using black background and flash.
Varo - accepted MO just fine. Will slowly test how much they tolerate, but hesitant to do much because they have no physical location as backup for deposit.