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Since some companies don’t accept personal checks, money orders offer a secure way to make payments, pay bills, or send cash. But with various providers, where do you even begin? Understanding your options beforehand is key to choosing the most suitable place to acquire a money order.
Where to get a money order: 13 Best places
Money order is a secure alternative to personal checks and is available from several locations. While convenient, it’s important to know that fees and limitations can vary depending on the provider.
To help you find the best option, let’s explore some top locations to purchase a money order, keeping in mind the maximum purchase limits and associated fees.
1. Banks and credit unions
For those with existing bank accounts, your local bank or credit union can be a convenient option for purchasing money orders. However, it’s crucial to compare fees before you commit. Some institutions, like Wells Fargo, with their $5 charge, may have significantly higher costs than the typical $2 fee. Thankfully, other banks, like Regions Bank, with their $2 money orders, offer more competitive rates.
If your bank has a higher fee bracket, remember there are many alternative locations. Another perk to consider is that some banks might waive money order fees for account holders with savings or checking accounts. It’s always worth inquiring about such possibilities.
2. Western Union
Western Union is a popular choice for money orders. Consistent with most providers, it adheres to a maximum money order limit of $1,000. However, unlike some competitors, Western Union lacks a standardized fee structure across all branches.
This is because they often operate within other businesses, like Kroger, and fees can vary depending on the location. Be sure to inquire about the specific fee with the Western Union representative before finalizing your money order purchase.
3. US Postal Service
The United States Postal Service (USPS) is a budget-friendly choice for acquiring money orders, particularly for those under $500. Their fee structure is straightforward:
- Money orders up to $500 incur a $2.00 fee.
- Money orders between $500.01 and $1,000 cost $2.90.
- Regardless of value, military money orders have a flat fee of $0.65.
Keep in mind, similar to other providers, limitations exist. The USPS restricts domestic money orders to $1,000 and international money orders to $700.
4. 7-Eleven
Convenience comes at a price with 7-Eleven money orders. While many locations offer them, similar to Western Union, fees can vary depending on the specific store you visit. Expect to pay anywhere from 1% to 3% of the total money order value. Be aware that 7-Eleven also restricts money orders to a maximum of $500 each. This might not be the most economical option for larger transactions.
5. CVS Pharmacy
Uncertain about where to get a money order? Look no further than your local CVS Pharmacy! They are a convenient option for many and generally charge a competitive fee. While the exact pricing isn’t available on their website, previous reports indicate a cost of only $1.25, making them a budget-friendly choice. Just keep in mind that, similar to other retailers, CVS limits the maximum value of each money order to $500.
6. Safeway
Safeway joins the list of convenient locations to acquire a money order. They generally boast a competitive fee of $1 per money order, with a maximum value of $500. However, it’s important to note that fees may vary depending on the specific branch. To ensure you’re getting the best deal, it’s always wise to call ahead and confirm the pricing at your preferred Safeway location.
7. Kroger
For a budget-conscious money order purchase, consider Kroger. They offer a competitive fee structure, particularly for members who enjoy a discounted rate of $1 per money order. Non-members will pay a slightly higher fee of $1.10.
While Kroger typically restricts money orders to a maximum of $1,000, there may be some flexibility. If you require a larger sum, it’s worth contacting your local Kroger to inquire about exceptions to their standard limit. They might be able to accommodate your specific situation.
8. Meijer
Here’s some good news for residents of Illinois, Indiana, Kentucky, Michigan, Ohio, or Wisconsin with a Meijer store nearby! Meijer offers money orders at an incredibly competitive fee of just $0.65 each, making them a fantastic option for budget-minded individuals needing a money order.
There’s an added bonus: you can conveniently use your debit card to purchase your money order at Meijer without any additional fees. Keep in mind, though, that Meijer’s services are limited geographically. You’ll need to explore alternative providers if you reside outside their operational area.
9. Publix
Publix isn’t just your one-stop shop for groceries; it also caters to your financial needs! This supermarket chain offers money orders alongside its everyday items. For those seeking a budget-friendly option, similar to Meijer, Publix stands out.
Their fees range between a competitive $0.89 and $0.99 per money order, making them an attractive choice. However, be mindful that Publix limits the maximum value of each money order to $500. This might not be ideal for larger transactions.
10. Walmart
Walmart offers another convenient avenue for acquiring money orders. Their fee structure is simple and budget-friendly, with charges typically capped at $1 per money order. However, it’s important to remember that Walmart does allow for some variation in fees depending on the specific location. The good news is that the maximum fee will never exceed $1, regardless of location.
Like most money order providers, Walmart also restricts the maximum value of a single money order to $1,000. This might not be suitable for large transactions, but it is adequate for most everyday needs.
11. Kmart
While Kmart locations have become increasingly scarce, with only a handful remaining concentrated in a limited number of states, they are still an option to consider if you have one nearby.
For those with a Kmart in their area, they offer money orders as a service provided by Western Union. Fees are location-dependent and range from $0.69 to $1.25, making them a potentially cost-effective option. However, the maximum value of a money order purchased at Kmart is capped at $500.
If you’re fortunate enough to have a Kmart store nearby, they can be a reasonable option for your money order needs, especially considering their competitive fees. However, due to their limited presence, it’s wise to explore alternative providers if a Kmart isn’t readily accessible.
12. Check-cashing stores
Check-cashing stores often extend their services beyond just converting checks to cash. Many locations will facilitate bill payments, offer loans, and even allow you to purchase money orders. One example is ACE Cash Express, a national chain with over 850 locations across 23 states. While they do offer money orders, transparency is not their strong suit. Fees are not advertised online, and company policy prohibits phone representatives from disclosing them.
Conversely, if you’re a Florida resident, Amscot stands out as a check-cashing champion. They provide money orders free of charge, making them an attractive choice for budget-conscious Floridians. However, it’s important to remember that Amscot’s offer might not represent all check-cashing stores. Be sure to inquire about fees before finalizing your money order purchase at any check cashing establishment.
13. MoneyGram locations
MoneyGram offers a widely accessible option for acquiring money orders, boasting over 26,000 locations nationwide. According to Lisa White, MoneyGram’s GTM strategy head, convenience stores, and grocery stores are prime locations to find a MoneyGram money order provider.
However, there’s a catch: processing fees and face value limits can fluctuate depending on the specific store you visit. To ensure you’re getting the best deal and to avoid any surprises, it’s always recommended to contact the store beforehand and inquire about their specific money order fees and limitations.
One advantage of MoneyGram money orders is their online support. You can request one online if you misplace your money order or require a copy for proof of payment. Online support also allows you to request a replacement or refund if the money order hasn’t been cashed.
Bonus tip: Find more places
If you want to purchase a money order within a few minutes of your location, I have a great tip for you.
As mentioned earlier, Western Union and MoneyGram are two of the main providers of money orders. Both companies have convenient search tools on their websites that allow you to locate nearby locations where you can buy money orders.
You can simply input your zip code and then use the filter to search for places offering money orders. After entering your zip code, select “money order” in the filters section, and a map will display the locations where you can purchase a money order. It’s a straightforward process!
To get started, you can use the search tool on the Western Union website here or the search tool on the MoneyGram website here.
Buy money order online
Buying a money order online can be tricky. Unlike other payment methods, money orders are guaranteed funds, similar to cash. Because of this, issuers need a way to be certain you are who you say you are and that your payment method is legitimate. This verification process is difficult to do online, so most companies don’t allow it.
There are a few exceptions, however. One reputable company that sells money orders online is Xoom, a service by PayPal. Xoom allows you to send and receive money and even pay bills internationally. The fees they charge depend on where the money is going and how much you’re sending.
Money order scams
Ever received a money order and wondered if it’s real? It’s a smart concern. Unfortunately, scammers can create counterfeit money orders. Here’s how to identify a legitimate money order and avoid scams.
Look for these elements that indicate a genuine money order:
- Watermarks: Reputable issuers like MoneyGram, Western Union, and USPS embed watermarks visible only when held up to light. Tilting the order at different angles may be necessary.
- Machine-printed details: Look for a serial number, issue date, and dollar amount clearly printed by a machine, not a regular printer. You’ll also find multi-colored, reflective threads woven into the paper.
Be wary of these red flags:
- Missing watermark: A genuine money order will have a watermark. If it’s absent or visible without holding it up to light, it’s likely fake.
- Ink irregularities: Uneven ink color, bleeding, or lighter/darker areas can be signs of a counterfeit.
- Altered numbers: Check for tampering with the serial number or dollar amount.
- High dollar value: Money orders exceeding $1,000 are more susceptible to being fake.
If you suspect a fake money order, don’t cash it. Contact the issuer directly to verify its authenticity:
- Western Union: 1-800-999-9660
- MoneyGram: 1-800-926-9400
- USPS: 866-459-7822
For reference, compare your money order to images of legitimate ones found online.
When in doubt, request cash instead of a money order. Money order fraud is a serious crime. To learn more about scams and how to protect yourself, refer to the FTC’s guide on money order fraud.
How do you get a money order?
Obtaining a money order is a straightforward process. After choosing a vendor (like a bank, post office, or certain retailers), you’ll typically complete a brief form requesting your contact information and money order details. This includes the recipient’s name, the amount, and sometimes a memo line for reference. Then, simply pay the face value of the money order along with any associated fees. The vendor will then print and issue the money order to you.
What locations do money orders?
Finding a location to purchase a money order is convenient. Many everyday businesses offer this service, including:
- Banks and credit unions: These are traditional sources for money orders, often with competitive fees for account holders.
- Post offices: The United States Postal Service (USPS) offers money orders with a maximum value of $1,000.
- Convenience stores: Many convenience stores partner with money order providers like Western Union or MoneyGram, allowing customers to purchase money orders alongside everyday items.
- Pharmacies and grocery stores: Some larger pharmacies and grocery stores offer money order services through partnerships with financial institutions. Look for signage or inquire at the customer service desk.
The bottom line
Money orders offer a secure and convenient alternative to cash or checks in various situations. Perhaps you’re securing an apartment deposit or paying a contractor who doesn’t accept electronic payments. Whatever the reason, obtaining a money order is a breeze.
Several locations offer money order services, each with its own fee structures and limitations. Banks and credit unions are traditional options, often with lower fees for account holders. The US Postal Service provides money orders up to $1,000. For added convenience, many convenience stores and even some pharmacies and grocery stores offer money orders through partnerships with Western Union or MoneyGram.
Simply compare fees and limits between these vendors to find the best fit for your needs. So, when your usual payment methods aren’t suitable, a money order can provide a reliable and accessible solution.