Jan 1, 2018, 10:53 am
Last edit by: wyogold
This is the thread for 2018. The previous discussion can be found here.
The 2019 thread can be found here
New to MO: Read this entire Wiki (Click to open) and all posts for some tips before asking common questions. It is best to know what you are doing before you try.
---------------------------------------------------------------------------------
Tested Gebit cards:
1. DO NOT WORK - Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes over $49.99.
2. Visas issued by MetaBank work great.
3. MC issued by US bank work good, but you need to change payment type to debit before they enter the amount in the register. See below for details.
5. Gdot/sun work but take about an hour to activate.
NEW Limits as of 11/18 - 8K with ID every 24 hours. ID required for MO over 1K.
__________________________________________________ __________________________________________
Some tips for starting out:
All WM registers allow 4 debit swipes per transaction, but YMMV per store and cashier. Refer to cards as Debit cards.
Start slow and buy one MO with one Gebit to see how it works. Refer to cards as Debit, only this community calls them Gebits. Your store or cashier may have rules that other stores do not have, only allowing one swipe per trans or up to 4 swipes per trans. Read all the tips below and all the posts below before trying more advanced transactions. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card. Fee: 1K MO or less is usually 88 cents each, but ask or check the wall. Subtract the fee from the total or pay in cash. If a store says "no", thank them and try again another day with a different clerk.
Helpful details and tips for advanced transactions:
1. Cost: 1K MO fee is usually 88 cents each(Some states limit MO total to 750 or 950 and may have a different fee). Subtract fee from your total or pay in cash. Can buy two 1K MO in one transaction with 4 swipes for 88 cents x 2 in most states. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card.
2. Split payment transcations: You cannot successfully swipe more than 4 cards in a single transaction. If the cashier screws up and enters $50.00 instead of $500.00 (thus making it impossible for 4 swipes to complete the transaction), the transaction will need to be canceled. The funds should return to your cards right away but may take 24 hours, so note the time and person helping you. When a transaction is canceled during the trans, the money returns to the cards. If canceled after, the cash reg drawer opens and they pay you back in cash.
3. Split payment: The amount of each swipe needs to be entered by the cashier. Ask to "split the payment by $$$". The Gebit must have current balance of that amount or more otherwise slip with Error 51 will print out. Warning: (YMMV) It appears (my experience on 3 occasions during prepaid card load and buying MO in 2 different WMs) that after the debit card was charged no cash could be credited back to the card. Cashier should issue cash back. Keep the slip and contact manager if in doubt. Remember date, time and register if no slip.
4. Bad Printer: IF, by chance, you've swiped your GCs successfully, a receipt prints but the MO doesn't, make sure to ask to see the receipt and check near the bottom IF it says CHANGE/REFUND with a negative sign before the amount of GCs you swiped, that means the cashier must give you cash refund. Cashier may have to call for the cash dept manager to verify the refund. Some stores may outright give your cash refund immediately while there are others that will ask you to come back. Think twice before you buy MOs while on vacation or when you're in unknown to you territories for issues like this.
5. Kiosk: Very few Kate's can sell money orders anymore.>>>>Sometime 2016, a lot of WM supercenters have done away with Kate (kiosks that allows loading of prepaids/sell $500 MOs). As of today, MOST, if not ALL WMs, have replaced this with the regular slim ATM to check balance/withdraw money.
6. MCGC liquidation- The cashier should not enter the amount first. Technically they just can't hit enter after entering the amount. Let the CSR know you need to swipe first and switch the payment type to debit, then swipe and hit "Cancel" or "Change Payment" to select "Debit" on the screen, enter the pin and have them enter the amount.
Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
The 2019 thread can be found here
New to MO: Read this entire Wiki (Click to open) and all posts for some tips before asking common questions. It is best to know what you are doing before you try.
---------------------------------------------------------------------------------
Tested Gebit cards:
1. DO NOT WORK - Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes over $49.99.
2. Visas issued by MetaBank work great.
3. MC issued by US bank work good, but you need to change payment type to debit before they enter the amount in the register. See below for details.
5. Gdot/sun work but take about an hour to activate.
NEW Limits as of 11/18 - 8K with ID every 24 hours. ID required for MO over 1K.
__________________________________________________ __________________________________________
Some tips for starting out:
All WM registers allow 4 debit swipes per transaction, but YMMV per store and cashier. Refer to cards as Debit cards.
Start slow and buy one MO with one Gebit to see how it works. Refer to cards as Debit, only this community calls them Gebits. Your store or cashier may have rules that other stores do not have, only allowing one swipe per trans or up to 4 swipes per trans. Read all the tips below and all the posts below before trying more advanced transactions. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card. Fee: 1K MO or less is usually 88 cents each, but ask or check the wall. Subtract the fee from the total or pay in cash. If a store says "no", thank them and try again another day with a different clerk.
Helpful details and tips for advanced transactions:
1. Cost: 1K MO fee is usually 88 cents each(Some states limit MO total to 750 or 950 and may have a different fee). Subtract fee from your total or pay in cash. Can buy two 1K MO in one transaction with 4 swipes for 88 cents x 2 in most states. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card.
2. Split payment transcations: You cannot successfully swipe more than 4 cards in a single transaction. If the cashier screws up and enters $50.00 instead of $500.00 (thus making it impossible for 4 swipes to complete the transaction), the transaction will need to be canceled. The funds should return to your cards right away but may take 24 hours, so note the time and person helping you. When a transaction is canceled during the trans, the money returns to the cards. If canceled after, the cash reg drawer opens and they pay you back in cash.
3. Split payment: The amount of each swipe needs to be entered by the cashier. Ask to "split the payment by $$$". The Gebit must have current balance of that amount or more otherwise slip with Error 51 will print out. Warning: (YMMV) It appears (my experience on 3 occasions during prepaid card load and buying MO in 2 different WMs) that after the debit card was charged no cash could be credited back to the card. Cashier should issue cash back. Keep the slip and contact manager if in doubt. Remember date, time and register if no slip.
4. Bad Printer: IF, by chance, you've swiped your GCs successfully, a receipt prints but the MO doesn't, make sure to ask to see the receipt and check near the bottom IF it says CHANGE/REFUND with a negative sign before the amount of GCs you swiped, that means the cashier must give you cash refund. Cashier may have to call for the cash dept manager to verify the refund. Some stores may outright give your cash refund immediately while there are others that will ask you to come back. Think twice before you buy MOs while on vacation or when you're in unknown to you territories for issues like this.
5. Kiosk: Very few Kate's can sell money orders anymore.>>>>Sometime 2016, a lot of WM supercenters have done away with Kate (kiosks that allows loading of prepaids/sell $500 MOs). As of today, MOST, if not ALL WMs, have replaced this with the regular slim ATM to check balance/withdraw money.
6. MCGC liquidation- The cashier should not enter the amount first. Technically they just can't hit enter after entering the amount. Let the CSR know you need to swipe first and switch the payment type to debit, then swipe and hit "Cancel" or "Change Payment" to select "Debit" on the screen, enter the pin and have them enter the amount.
Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
Buying Money Orders at Walmart (2018)
Oct 2, 2018, 10:22 pm
#1591
Join Date: May 2011
Posts: 889
WF ATMs have been nice to me for over a year as you described. but lately it screwed me already 3 times:first time: 08/06/18 ATM DEPOSIT ADJUSTMENT$999.32 I contacted MO to get MO replacement for $18 fee; 2nd time: 09/04/18 ATM DEPOSIT ADJUSTMENT$1,998.64 I opened a WF claim which went to nowhere and was just wasting of 3 weeks... I finally contacted MG to get MO replacements for $18 fee for each; 3rd time: 10/01/18 ATM DEPOSIT ADJUSTMENT$1,998.64 need to get costly MO replacement again
Oct 2, 2018, 10:27 pm
#1592
Join Date: Jun 2015
Posts: 1,727
WF ATMs have been nice to me for over a year as you described. but lately it screwed me already 3 times:first time: 08/06/18 ATM DEPOSIT ADJUSTMENT$999.32 I contacted MO to get MO replacement for $18 fee; 2nd time: 09/04/18 ATM DEPOSIT ADJUSTMENT$1,998.64 I opened a WF claim which went to nowhere and was just wasting of 3 weeks... I finally contacted MG to get MO replacements for $18 fee for each; 3rd time: 10/01/18 ATM DEPOSIT ADJUSTMENT$1,998.64 need to get costly MO replacement again
u contact bank, file claim, they research and say no issue, then you file w/ wu/mg but talk to them on the phone first.
The bank thinks mo was already deposited and it’s returned. Mo was returned bc funds cleared electronically. Mo got stuck in atm until a cleaning or somewhere else. Upon discovering bank places mo in batch. Clearing house runs checks, does not match it to a recent electronic deposit, tries to cash mo for second time gets notified no funds.
its a pita but comes with the territory. It’s more fun explaining $10k. Mo (wu/mg) issue a letter explaining check was presented a 2nd time and then send copy to bank and bank will finally u derstand. Ask for tier II or III accounts reconciliation.
Oct 2, 2018, 10:37 pm
#1593
Join Date: Jun 2015
Posts: 1,727
I suspect it varies by banks. I wrote on the MOs to make it darker before multiple times...they got processed by wells Fargo with no issues. but I stopped writing on MOs for a long time.
but lately wells forgo deducted amount from my deposited MOs with light ink,
it shows like this:Expand10/01/18ATM DEPOSIT ADJUSTMENT$1,998.64 it happened to me several times, I opened claims with wells fargo and they didn't resolve the issue after 2 weeks. I had to contact MG to get the replacement with heft fees.
so I am not sure if writing on MO to make it darker can help with wells fargo deposit issue.
but lately wells forgo deducted amount from my deposited MOs with light ink,
it shows like this:Expand10/01/18ATM DEPOSIT ADJUSTMENT$1,998.64 it happened to me several times, I opened claims with wells fargo and they didn't resolve the issue after 2 weeks. I had to contact MG to get the replacement with heft fees.
so I am not sure if writing on MO to make it darker can help with wells fargo deposit issue.
Oct 2, 2018, 10:46 pm
#1594
Join Date: May 2018
Posts: 45
Doing my usual 999.12 x2 today and as the MO's were printing the CSR (yellow vest, I don't know why everyone is so afraid of them) asked if that was all or if I, "had more to do." I told him no and that it was just these two and asked if people do more than the 1 transaction. He said they have a guy who comes in and sits at the counter until he's done 10k. I asked how you get to do that and he said that Loss Protection did a background check on him and decided he was ok to do it. Again I asked how you get to do that and he said he had no idea so maybe I'll ask someone else next time I'm in and report back.
Oct 3, 2018, 2:02 pm
#1595
Join Date: Oct 2015
Location: NRT
Programs: UA gold
Posts: 135
Doing my usual 999.12 x2 today and as the MO's were printing the CSR (yellow vest, I don't know why everyone is so afraid of them) asked if that was all or if I, "had more to do." I told him no and that it was just these two and asked if people do more than the 1 transaction. He said they have a guy who comes in and sits at the counter until he's done 10k. I asked how you get to do that and he said that Loss Protection did a background check on him and decided he was ok to do it. Again I asked how you get to do that and he said he had no idea so maybe I'll ask someone else next time I'm in and report back.
Oct 3, 2018, 7:21 pm
#1598
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
Oct 4, 2018, 12:33 pm
#1599
Join Date: Oct 2015
Location: NRT
Programs: UA gold
Posts: 135
How do you guys deal with a combined situation when both friendly and PITA staff present?
I tried to avoid the pita one as much as I can as I know she doesn't sell me MO with some BS reasons. I don't care. However, when I would be inevitably summoned by that PITA one, I let other customer go and keep waiting for the friendly one. Suddenly, she jumped in our transaction and said "that's why you let other people go first"? Honestly I was surprised how a person can be this gross.
Any advice?
I tried to avoid the pita one as much as I can as I know she doesn't sell me MO with some BS reasons. I don't care. However, when I would be inevitably summoned by that PITA one, I let other customer go and keep waiting for the friendly one. Suddenly, she jumped in our transaction and said "that's why you let other people go first"? Honestly I was surprised how a person can be this gross.
Any advice?
Oct 4, 2018, 1:15 pm
#1600
Join Date: Sep 2014
Posts: 1,837
How do you guys deal with a combined situation when both friendly and PITA staff present?
I tried to avoid the pita one as much as I can as I know she doesn't sell me MO with some BS reasons. I don't care. However, when I would be inevitably summoned by that PITA one, I let other customer go and keep waiting for the friendly one. Suddenly, she jumped in our transaction and said "that's why you let other people go first"? Honestly I was surprised how a person can be this gross. Any advice?
I tried to avoid the pita one as much as I can as I know she doesn't sell me MO with some BS reasons. I don't care. However, when I would be inevitably summoned by that PITA one, I let other customer go and keep waiting for the friendly one. Suddenly, she jumped in our transaction and said "that's why you let other people go first"? Honestly I was surprised how a person can be this gross.
Any advice?
Oct 4, 2018, 2:08 pm
#1601
Join Date: Jul 2014
Posts: 3,688
How do you guys deal with a combined situation when both friendly and PITA staff present?
I tried to avoid the pita one as much as I can as I know she doesn't sell me MO with some BS reasons. I don't care. However, when I would be inevitably summoned by that PITA one, I let other customer go and keep waiting for the friendly one. Suddenly, she jumped in our transaction and said "that's why you let other people go first"? Honestly I was surprised how a person can be this gross. Any advice?
I tried to avoid the pita one as much as I can as I know she doesn't sell me MO with some BS reasons. I don't care. However, when I would be inevitably summoned by that PITA one, I let other customer go and keep waiting for the friendly one. Suddenly, she jumped in our transaction and said "that's why you let other people go first"? Honestly I was surprised how a person can be this gross.
Any advice?
Oct 4, 2018, 2:13 pm
#1602
Join Date: Jan 2017
Posts: 79
I have a similar situation. I just know that theres a 20% chance that I will have to walk out and return the next day. All part of the game.
Oct 4, 2018, 2:20 pm
#1603
Join Date: Apr 2015
Posts: 178
What I try to do as well is know when the PITA's schedule and not go during those times. If you see PITA 5 days in a row at 5pm, know not to go at 5pm.
If I do encounter the PITA, then I'm with Davyboyo, there's percentage I know that PITA will be there and I will have to come back another time.
I pretty much avoid at all costs to work with the PITA.
If I do encounter the PITA, then I'm with Davyboyo, there's percentage I know that PITA will be there and I will have to come back another time.
I pretty much avoid at all costs to work with the PITA.
Oct 4, 2018, 8:24 pm
#1604
Join Date: Apr 2005
Location: Detroit
Programs: NWA, AC., SWA, AA.,UA, HH
Posts: 165
I’m in Orlando and picked up some Simon GC. Anyone know who sells MO other than WM? 2 WMs turned me down,
thanks
thanks
Oct 4, 2018, 8:26 pm
#1605
Join Date: Apr 2005
Location: Detroit
Programs: NWA, AC., SWA, AA.,UA, HH
Posts: 165
Private reply if you are uncomfortable posting here.
Thanks
Thanks