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What Is a Money Order? What is a Money Order? and Where to Buy One Advertiser disclosure We make you our top priority. Each every single time. We believe that everyone should be able make financial decisions without hesitation. Although our site does not feature every business or financial product in the marketplace however, we’re confident that the guidance we offer and the information we offer as well as the tools we design are objective, independent simple, and cost-free. How do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on our website) However, it doesn’t affect our advice or suggestions, which are grounded in thousands of hours of study. Our partners are not able to be paid to ensure positive ratings of their goods or services. . What is a money order? What is a Money Order operates and where to Buy One is a dependable payment that you can buy at places such as Walmart Post Office and even your bank. By Margarette Burnette, Senior Writer Savings accounts as well as money market accounts banking Margarette Burnette is a savings expert who has been writing about bank accounts from before when she was writing about the Great Recession. Her work has been published in major newspapers. Before becoming a part of NerdWallet, Margarette was a freelance journalist with bylines in magazines such as Good Housekeeping, and Parenting. She is located in Atlanta, Georgia. Nov 23, 2022 Edited by Yuliya Goldshteyn Assistant Bank Yuliya Goldshteyn works as a banking editor with NerdWallet. She was previously an editor, writer and research analyst in industries ranging from healthcare as well as market research. She graduated with a bachelor’s degree in history at Berkeley at the University of California, Berkeley and a master’s degree in social sciences from the University of Chicago. You can reach her by email at

. Reviewed by Kathleen Burns Kingsbury Wealth psychology expert and coach Kathleen Burns Kingsbury, founder of KBK Wealth Connection and host of the Breaking Money Silence podcast, is an internationally published author and speaker. As an expert on the psychology of money, Kathleen has appeared on television, and her work has been highlighted on The New York Times, The Wall Street Journal, “PBS NewsHour,”” Money magazine, Today Money, Forbes and CNBC. Kathleen served as an adjunct faculty member at McCallum Graduate School from 2009 to 2019. McCallum Graduate School at Bentley University from 2009 until 2019 and currently teaches in the college of Champlain College. At NerdWallet, our content goes through an extensive . We are so confident in our reliable and valuable content that we let outside experts inspect our work. The majority of items featured on this page are made by our partners who compensate us. This impacts the types of products we feature as well as the place and way the product is featured on a page. However, this does not affect our opinions. Our views are our own. Here is a list of and . Table of Contents. Show More Table of Contents Key points to remember about money orders A money order is a reliable substitute for cash and a personal check and functions as an actual check, which means you can either cash it or deposit it into the bank account. If personal checks or cash can put the risk of being harmed, or they aren’t accepted for payment, use a money order instead. Cash or a debit card to buy money order at post offices, Walmart, Western Union and many other locations. What is the process for money orders? A money order is a piece of paper that is a secure alternative to cash or personal checks. You can specify who will get the money order, and both you and the person must sign it in order to make it valid which reduces theft. You can also prepay for a money order when you buy it. You can purchase them from U.S. post offices, Walmart, Western Union and other locations. Many have a $1,000 limit, including those that you purchase at banks. In general, you have to pay for money orders using cash or debit card. Money orders is a great option to transfer money when you do not have a bank account or don’t want to share your banking details for the beneficiary. Money orders: Pros as well as cons benefits and disadvantages of using a money transfer. Consider these advantages and disadvantages before you decide to use one. Pros: No bank account is required to send or receive a cash order. The money order is widely accessible. Cons: Once a money order is cashable (or lost) and then lost, it could be difficult if not impossible to retrieve your money, even if it was due to fraud or a scam. The cash advance fee is subject to change and interest when purchased using credit card. (Read about .) How can I buy money orders? Be aware of how and with whom you’ll pay: Prepare using cash or a debit card, the name of the person paying and the amount you’d like to send. The option of paying with a credit card may be possible, however it generally, it’s more expensive. The form must be completed in addition to the payee’s name, you’ll need to add your name (and maybe an address) and sign the money purchase. (For steps-by-step instructions read NerdWallet’s advice on .) Be sure to verify the accuracy of your information because you won’t be able to change the information afterward. Keep the receipt in your wallet: The receipt is a carbon duplicate of the money-order or a paper slip recording the information you entered into the cashier’s note. You may need it to trace your money order or contact the person who received it. Follow your money order Your receipt will also have a tracking number that you can utilize to confirm that the money order got to the intended recipient. If you encounter any issues then contact the store that you purchased the money order to get assistance. How do I obtain a money-order? What is the cost of an order for money cost? It is possible to purchase money orders at the post office, Walmart, Western Union and many other locations. Domestic money orders come in a range of costs starting at less than $1 up to around $5, depending on where you buy them. It’s cheaper at Walmart or an upscale supermarket or convenience store however, you’ll usually pay more at a bank. Some banks don’t offer international money orders; certain Post offices offer them, however they are more expensive than domestic money orders. Whatever you decide to purchase them, it’s better to buy money orders in person. The seller Cost Walmart Up to $1. Transfer agents for cash (convenience stores, supermarkets, etc.) The cost depends on the company. For instance, certain San Francisco-area Western Union providers charge $1. U.S. Postal Service up To $500 $1.65. $501-$1000: $2.20. Military money orders 55 cents. international (up up to $750): $49.65. Banks and credit unions Depends upon the institution that they work with. Often around $5. Are you looking for other options to send money ? These are the options we have . What does a money order cost at the largest U.S. banks? Below is a table containing the cost of money orders and availability at some popular banks. Note that many banks will only sell money orders to account holders. Click here for information on the money order cost and availability at a few popular banks. Bank Money Order Details There is no offer. Members of the FDIC Not offered. The offer is not offered. Up to $1,000 for $5; free for premium accounts. Must be purchased in an office. $5; free for premium customers of checking. $5 Free for premium customers with a checking account. $5; free for premium checking customers. $5; free for members in the army. Up to $1,000 for $5. It must be bought at the branch. Return to top Why do I need to use money orders? There are times when cash or personal checks could be risky, or they aren’t accepted for payments. Here are four instances why you should consider using money order as the best option for payment: You have to make sure that you send money safely. Contrary to checks, money orders do not include the bank account number and they help ensure that only the recipient is able to use them, not unlike mailing cash. Are you worried about the possibility of bounced checks. Because the money orders have been pre-paid, they won’t be rejected for insufficient funds. Another option is a certified check or a cashier’s cheque, both of which guarantee payment but don’t need to have an amount limit of $1,000, as do most money orders. ( as well .) If you’re sending money overseas. Not all money orders work overseas, but U.S. Postal Service money orders can be sent to about 25 countries. Another option: A wire transfer (see ), if you require the funds quicker and you are willing to pay more. You can also check out our . You don’t need an account at a bank. Since money orders require you make a payment prior to the date of purchase, you do not need an account with a bank and are able to pay for bills without risk. Nerdy Tip If you don’t have a checking account, an alternative for paying regular expenses and bills is to make use of a . Return to top Savings Cash Management CD Checking Money Market A savings account is the perfect place to store money securely while earning interest. Savings accounts are an account where you can keep your money safe while earning interest. FDIC SoFi Savings and Checking APY 3.75% FDIC SoFi Savings and Checking APR 3.75% SoFi members who have direct deposit can get up to 3.75% per year in annual percentage yield (APY) in savings account balances (including Vaults) and 2.50 percent APY on checking balances. No minimum direct deposit amount that is required to be eligible for 3.75 percent APY on savings, and 2.50% APY for checking balances. Customers who do not deposit direct deposits will get 1.20% APY on all account balances in checking and savings (including vaults). Interest rates are variable and subject to change at any time. These rates are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Min. balance for APY Member $0 FDIC Marcus Online Savings by Goldman Sachs Account APY 3.50 35% 3.50% APR (annual per cent yield) with a balance of zero to earn the APY stated. Accounts must be in positive balance in order to be open. APY current as of 02/07/2023. Min. balance for APY $0 These cash accounts offer a variety of services and features comparable to savings, checking and/or investment accounts into one. Cash management accounts are usually provided by non-bank financial institutions. They combine the features and services that are similar to checking, savings or investment accounts into one package. The cash management account is generally offered by non-bank financial establishments. on Wealthfront’s website Wealthfront Cash Accounts APY 4.05% min. Balance to APY $1 on the Betterment website. Betterment Cash Reserve, Paid Non-Client Promotion APY 4.00 percent annually percent rate (variable) is at 02/06/2023. Min. balance for APY CDs of $0 (certificates of deposit) are a kind of savings account that has an unchanging rate and term typically, they have higher rates of interest than regular savings accounts. CDs (certificates of deposit) are a kind of savings account that has a fixed rate and term which usually come with more interest rates than standard savings accounts. CIT Bank CD APY 4.60% 1.5% Term 1.5 Years Member FDIC Marcus by Goldman Sachs High-Yield CD APY 4.40% 4.40% APY (annual percent yield) at 01/25/2023. 1 year Member FDIC SoFi Savings and Checking APY 2.50% SoFi members with direct deposit can earn up to 3.75 per cent annual percentage yield (APY) in savings account balances (including Vaults) and 2.50% APY on checking balances. There is no minimum amount of direct deposit needed to be eligible for 3.75% APY for savings accounts and 2.50 percent APY on checking balances. Customers who do not deposit direct deposits are eligible to get 1.20 percent APR on all balances in checking and savings (including vaults). Interest rates are variable and could change at any point. The rates listed are current at 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Monthly fee $0 Upgrade Rewards Checking APY N/A Monthly fee $0 Deposits are FDIC Insured Current Account APY N/A Monthly fee $0 Deposits are FDIC Insured Chime Checking Account APY N/A Monthly fee $0 Member FDIC Axos Bank(r) Rewards Checking APY 1.25% Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY. Use the Axos Visa(r) debit card for a total of 10 transactions per calendar month (min $3 per transaction) or join Account Aggregation/Personal Financial Manager (PFM) within Online Banking to earn 0.30 percent APR. Keep an average daily balance of $2,500 on An Axos managed Portfolios Investment Account in order to receive 0.20 percent APY. Maintain an average daily amount of $2,500 with the Axos Self-Directed Trading Invest Account to earn 0.20 percent APY. Use the Rewards checking account to pay your full monthly Axos Consumer loan payment and earn 0.15 percent APR. Monthly fee $0 Market accounts earn rates comparable to savings accounts and have some checking features. Money market accounts pay rates similar to savings accounts, and come with some checking features. Member FDIC UFB’s best Money Market Rate APY 4.21% Min. balance for APY $0 member FDIC Discover Bank Money Market Account APY 3.20% Min. Balance for APY $1 Money order tracking It’s pretty easy to figure out where a money order is so long as you’ve kept your receipt. The process is different according to the issuer. The U.S. Postal Service and MoneyGram allow you to track your online purchases using details like the serial number found on the receipt along with the amount of your purchase. Banks should be in a position to give you the same information. Without the receipt, you’ll have to file a research request to discover the serial number of your money order as well as that’s costly and time-consuming. At MoneyGram, for example it’s $40 and takes up to 60 days to process. Make sure you track the money order through the company that actually provides it which could include Western Union or MoneyGram even in the event that you purchased it from an convenience store. The money order should clearly indicate who the provider is. Back to top About Author: Margarette Burnette is a savings account expert at NerdWallet. Her work has been highlighted in USA Today and The Associated Press. Similar to… Get a better savings account See NerdWallet’s recommendations for the top high-yield online savings accounts. Go deeper into Banking Get more smart money moves delivered straight to your inbox. Sign up and we’ll email you Nerdy content about money-related topics which matter to you the most along with other ways to help you make more from your savings.

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