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

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

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Old Mar 21, 22, 10:42 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: Klemhuzzah
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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
  • 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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Old May 4, 17, 9:16 am
  #166  
 
Join Date: Dec 2009
Posts: 70
Anyone ever try Bank of the Ozarks? I can't seem to find any thing online. Feel free to message me and thank you in advance.
beweiss6 is offline  
Old May 5, 17, 10:50 am
  #167  
 
Join Date: Feb 2016
Location: Chicago
Programs: United 1k, Hyatt Globalist, Marriott Plat
Posts: 226
Not sure why the wiki says Ally doesn't accept mobile MOs? I can deposit USPS fine via the app.
Lavezzi is offline  
Old May 14, 17, 11:49 am
  #168  
 
Join Date: Apr 2017
Posts: 4
DP USAA

Mobile depositing MOs through USAA. App reports that you can get instant access up to 8k per day. I've had good experience except last week they put a hold on one MO. I have only done about 2k in deposits this month. I think it may be because I accidentally signed close to the numbers on the MO and it couldn't read properly. Says it'll post on Thursday. They haven't sent me any nasties about it. Getting another MO later this week, will report if it gets held.
Gettr14 is offline  
Old May 14, 17, 1:15 pm
  #169  
 
Join Date: May 2014
Posts: 391
Originally Posted by Gettr14 View Post
Mobile depositing MOs through USAA. App reports that you can get instant access up to 8k per day. I've had good experience except last week they put a hold on one MO. I have only done about 2k in deposits this month. I think it may be because I accidentally signed close to the numbers on the MO and it couldn't read properly. Says it'll post on Thursday. They haven't sent me any nasties about it. Getting another MO later this week, will report if it gets held.
After awhile they should up your limit, mine is currently 100k, but it is my primary bank and insurance company so I don't put any volume through it as, I don't want problems. There are reports of people getting contacted to slow down.
givingitatry is offline  
Old May 30, 17, 9:26 pm
  #170  
 
Join Date: Oct 2014
Posts: 2
Originally Posted by Lavezzi View Post
Not sure why the wiki says Ally doesn't accept mobile MOs? I can deposit USPS fine via the app.
May I know if there's any problem following your deposit of MO to ally? coz according to the official guide it is not allowed:

https://www.ally.com/do-it-right/tre...ked-questions/
genh is offline  
Old May 31, 17, 7:54 am
  #171  
 
Join Date: Feb 2016
Location: Chicago
Programs: United 1k, Hyatt Globalist, Marriott Plat
Posts: 226
Originally Posted by genh View Post
May I know if there's any problem following your deposit of MO to ally? coz according to the official guide it is not allowed:

https://www.ally.com/do-it-right/tre...ked-questions/
hah my bad, I thought it was short for Alliant.
Lavezzi is offline  
Old May 31, 17, 8:52 am
  #172  
 
Join Date: Oct 2011
Posts: 4,163
Originally Posted by Lavezzi View Post
hah my bad, I thought it was short for Alliant.
You can deposit MOs with Alliant?
Superorb is offline  
Old May 31, 17, 12:03 pm
  #173  
 
Join Date: Oct 2015
Posts: 115
Has anybody used BMO harris mobile app to submit money orders?
trueblue84 is offline  
Old May 31, 17, 6:32 pm
  #174  
 
Join Date: Aug 2016
Programs: AAdvantage, UR
Posts: 18
Originally Posted by Gettr14 View Post
Mobile depositing MOs through USAA. App reports that you can get instant access up to 8k per day. I've had good experience except last week they put a hold on one MO. I have only done about 2k in deposits this month. I think it may be because I accidentally signed close to the numbers on the MO and it couldn't read properly. Says it'll post on Thursday. They haven't sent me any nasties about it. Getting another MO later this week, will report if it gets held.


I send all my MOs through USAA. Did about 60k last month. A 1 week hold at higher volumes has been typical for me. I get excited when funds have instant availability!
tcormier is offline  
Old Jun 1, 17, 9:43 am
  #175  
 
Join Date: Aug 2015
Posts: 1,594
at WF ATMs, does it accept Walmart's MG MO? did a search but didn't see one on here. TIA
danhouston is offline  
Old Jun 1, 17, 10:08 am
  #176  
 
Join Date: Oct 2011
Posts: 4,163
Originally Posted by danhouston View Post
at WF ATMs, does it accept Walmart's MG MO? did a search but didn't see one on here. TIA
Yes, and you'll have to enter the amount.
Superorb is offline  
Old Jun 2, 17, 10:10 am
  #177  
 
Join Date: Jul 2016
Posts: 45
Just an FYI, if you accidentally wrote one small letter on the USPS silver hologram on a USPS MO, TD Atm will return your MO. I wrote my address in the from section and the e (in ave) appeared on the silver hologram and TD kept rejecting my MO... however Santander took it ok.
LearninghowtoMS is offline  
Old Jun 3, 17, 11:36 pm
  #178  
 
Join Date: Nov 2016
Posts: 15
Originally Posted by infa007 View Post
Newbie here -- I'm going to deposit my first two MO via Wells Fargo ATM. What are the steps I need to do as far as filling up the MO is concerned --
1) fill in the From / To. Do I need to fill in the Address also ?
2) Do I need to do anything else ?

One MO is from USPS and another from WM

Additional info : Both MOs are less than $200 -
Need endorsement signature on the back, can't hurt to leave a note that it's for deposit
jmlinden7 is offline  
Old Jun 6, 17, 6:27 pm
  #179  
 
Join Date: May 2017
Posts: 59
hsbc atms will also accept mo's. you have to enter the value manually. mine cleared in one business day.
cpnyc is offline  
Old Jun 7, 17, 1:23 pm
  #180  
 
Join Date: Feb 2014
Posts: 188
Originally Posted by trueblue84 View Post
Has anybody used BMO harris mobile app to submit money orders?
Also curious about this. Did you try it yet?
cashcow is offline  

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