Money orders are a simple form of payment. They’re similar to checks, but are often preferred because of their guaranteed nature and the anonymity they provide for the payer. Often they’re used to pay bills, but they can be really handy when a vendor or seller won’t accept a check or you don’t want to hand over wads of bills. In most cases, money orders can be bought with cash or a debit card.

But the question many people find themselves asking is, “Where can I cash a money order?” In this article, we’ve rounded up the places where you can cash your money order and how much each place charges.

In This Article

Where to Cash a Money Order

Methodology: Note that many places that cash money orders don’t disclose fees online, and fees may vary among different locations. Many companies don’t disclose online whether they cash money orders at all, so whenever we couldn’t find out through the company’s website directly, we reached out by phone, email, or social media to get the details. To be absolutely certain about the applicable fees and the availability of money order cashing at a specific location, we always recommend that you call ahead. As a general rule, you’ll be asked to provide a valid, government-issued photo ID any time you cash a money order.

Most Common Places to Cash a Money Order

At Your Own Bank

  • Cost to cash: There should be no fees to deposit or cash a money order at your own bank, as it is treated like cash
  • Money orders issued? Yes, but surprisingly they generally cost more than the companies listed in the following section of this article!
  • Any other info? If you don’t have a bank account, you can use the money order as your first deposit

At the Originating Bank

  • Cost to cash: If you’re not a member at the originating bank, fees will typically vary between roughly $5 to $7.50
  • Money orders issued? Yes, but you would find it easier and cheaper to get one from your own bank

The Post Office

  • Cost to cash: Rates may vary. USPS locations will only cash a money order that was issued by USPS.
  • Money orders issued? Yes

Banks and Credit Unions That Cash Money Orders

Bank of America

Capital One

  • Hours: Most branches are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, 9 AM to 1 PM on Saturday, and closed on Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: No fees for money orders under $100; a money order over $100 will incur a $7 fee.
  • Find the nearest Capital One
  • Visit the Capital One website to learn more

Chase Bank

  • Hours: Most branches are open 9 AM to 6 PM Monday through Friday, 9 AM to 2 PM on Saturday, and closed on Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: According to a Chase customer service representative, the fee is $8 for a non-customer to cash a money order.
  • Find the nearest Chase Bank
  • Visit the Chase website to learn more

Citibank

  • Hours: Most branches are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, 9 AM to 1 PM on Saturday, and closed on Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: A customer service representative stated that it is free to cash a Citbank-issued money order for a non-customer if the money order value is less than $5,000.
  • Find the nearest Citi Bank
  • Visit the Citibank website to learn more

HSBC

  • Hours: Most branches are open 9 AM to 4 PM Monday through Friday, and closed Saturday and Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: Fees may vary by branch; we recommend that you use the location finder below to get in touch with the nearest HSBC location.
  • Find the nearest HSBC
  • Visit the HSBC website to learn more

KeyBank

  • Hours: Most branches are open from 9 AM to 5 PM Monday through Friday, and closed Saturday and Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: Between $5 and $10; the fee varies by state. We confirmed this information with a KeyBank customer service representative.
  • Find the nearest KeyBank
  • Visit the KeyBank website to learn more

Old Second Bank

SunTrust

  • Hours: Many branches are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM Friday, 9 AM to 1 PM Saturday, and closed Sunday. Some branches have more extended hours.
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: The fee to cash a money order is typically 1 – 3% of the money order’s value.
  • Find the nearest SunTrust
  • Visit the SunTrust website to learn more

Regions Bank

TD Bank

  • Hours: Monday through Thursday, 9 AM to 5 PM at most locations. Friday, 9 AM to 6 PM at most locations. Saturdays, 9 AM to 1 PM at some locations.
  • Maximum order cashed: Varies by location. Contact local branch for details.
  • Cost to cash: Free with account; $7 without an account.
  • Find the nearest TD Bank
  • Visit the TD Bank website to learn more

US Bank

  • Hours: Most branches are open 9 AM to 6 PM Monday through Friday, 9 AM to 12 PM on Saturday, and closed on Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: According to US Bank customer service, the fee per money order is $7 for non-customers.
  • Find the nearest US Bank
  • Visit the US Bank website to learn more

Wells Fargo

  • Hours: Most branches are open 9 AM to 5 PM Monday through Thursday, 9 AM to 6 PM on Friday, 9 AM to 1 PM on Saturday, and closed on Sunday
  • Maximum order cashed: No maximum amount specified
  • Cost to cash: Money order cashing is available to Wells Fargo members only. Fees and limits can vary by branch. This information was confirmed with Wells Fargo customer support.
  • Find the nearest Wells Fargo
  • Visit the Wells Fargo website to learn more

Check Cashing Stores That Cash Money Orders

Most cash checking places don’t publish rates online, but it’s a good bet that they will be significantly higher than the fees at banks or grocery stores.

ACE Cash Express

Amscot: The Money Superstore

  • Hours: Most locations open 24 hours, 7 days a week, except holidays
  • Maximum order cashed:  Varies by location, contact local office for details
  • Cost to cash:  Fees are posted in the store. Contact local office for details
  • Find the nearest Amscot
  • Visit the Amscot website to learn more

Check Into Cash

Cliff’s Check Cashing (Texas)

Friendly Check

Money Mart

  • Hours: Many locations open 9 AM to 8 PM Monday through Friday with more limited hours on weekends
  • Maximum order cashed: Varies by location, contact local office for details
  • Cost to cash: Varies by location.
  • Find the nearest Money Mart
  • Visit the Money Mart website to learn more

Speedy Cash

Grocery Stores and Retailers That Cash Money Orders

Please note that we have included stores with at least some locations that cash money orders. This service may not be available at every location of these chains. We recommend calling ahead to your nearest location of any of these chains to make sure that money order cashing services are offered before you head out the door.

Albertsons

Rite Aid

Safeway

  • Hours: Many stores open 5 AM to midnight, but varies widely by location.
  • Maximum order cashed: Varies by location.
  • Cost to cash: Varies by location. Contact your local Safeway for more information.
  • Find the nearest Safeway
  • Visit the Safeway website to learn more

Walmart

Important note: Walmart will only cash a MoneyGram money order that was issued at Walmart.

WinCo

Important note: WinCo Will only cash a MoneyGram that was issued at another WinCo. 

How to Find Local Western Union and MoneyGram Agent Locations

Western Union has an Agent Locator on its website, with which you can search for Western Union services in your area — including money orders. You can check out MoneyGram’s Location Finder too. Please note that many places that sell money orders will not cash them. Even if you find an agent location through the Western Union or MoneyGram website, this does not guarantee that the location will cash a money order. Rather than looking for a place that sells money orders, a better indication is whether a particular location cashes checks. Places that offer check cashing will frequently cash money orders as well.

Places Where You May Be Able to Cash a Money Order

While there are many places that will sell you a money order, there are far fewer who will cash one. The following is a list of places that have known partnerships with either MoneyGram or Western Union (the two major money order companies), or have verified check cashing services. Many of these places will handle money orders differently from one location to another, so call ahead to your local store to ensure a smooth money order cashing experience.

Advance America

Family Fare

Jewel Osco

King Soopers

 Kroger

Los Altos Ranch Market

Vons

Shaw’s

Places That Don’t Cash Money Orders

7-Eleven

Aldi

  • Does Aldi cash money orders? No
  • Does Aldi provide any other financial services? No — Aldi recently streamlined the operations of their stores and focus simply on groceries by omitting ‘extra’ services such as money services
  • Read more about Aldi’s stripped back services

BJ’s Wholesale

  • Does BJ’s Wholesale cash money orders? No
  • Does BJ’s Wholesale offer any financial services? No — BJ’s does not have in-store financial services
  • Read the full list of BJ’s services

Costco

CVS

Dollar General

Dollar Tree

  • Does Dollar Tree cash money orders? No
  • Does Dollar Tree offer any other financial services? No — Dollar Tree does not have any in-store financial services
  • Read more about services at Dollar Tree

Mariano’s

Pick ‘n Save

Publix

Target

Trader Joe’s

True Value

  • Does True Value cash money orders? No
  • Does True Value offer any other financial services? No — True Value does not have any in-store financial services
  • Read the full list of True Value services (it does vary by store, and you can search for your specific store using the store locator)

Sam’s Club

Whole Foods

Alternative Ways to Cash a Money Order

It’s not always convenient to go to a store, the bank or post office, or you need to deposit a money order at an unusual time when many stores aren’t open. That’s okay: many banks accept deposits by smartphone or at ATMs. Please note that you will need a bank account with the relevant bank to use these methods, and you may need to register or opt in for mobile services. These methods are for depositing, rather than cashing money orders (meaning that the money will go in your bank account, not in your hand as physical cash).

Because money orders are of varying quality, most banks will require you to go in person, so don’t be alarmed if your bank isn’t listed (although banks are progressing these types of digital services every day, so you can always check back). However, if you really can’t or don’t want to go in person, banks will accept most non-cash deposits by mail so they can be manually verified. This obviously carries the risk of your money order going missing in the mail, so you’ll need to weigh whether the risk and the amount of time it will take is worth it.

How to Cash a Money Order Without an ID

A money order, like a check, will have your name on it and you’ll usually need to show ID to cash one, although some places are more relaxed than others. But if you don’t have ID, there are a couple of ways to still get your cash.

  • Pay it into your bank account: Many banks don’t require ID to make a deposit. If you pay a money order into your bank account, rather than getting cash, you typically will not be asked to show any ID (but this depends on the individual bank’s policies!).
  • Endorse it to someone else: If paying into a bank account isn’t an option, you can endorse the money order over to somebody that you trust (a parent, guardian or close relative perhaps) who does have ID. As long as the money order is signed by both parties, the new party should be able to cash it at any of the locations included in this article using their ID, and hand the cash back to you. Make sure you choose someone you trust if you’re going this route.

Of course, it is always easier to simply have ID. A valid government ID is invaluable to prove who you are. Some easy and affordable forms of ID that you can obtain include:

  • State ID (available from your local DMV and usually costs between $8-$30)
  • Driver’s license (available from your local DMV and usually costs between $10-$35)
  • Social Security Card (free on the SSA.gov website)

Some additional forms of ID include:

  • Bank cards with your name on them
  • School ID
  • Pay stubs
  • A W2 or 1099 form
  • Military ID

Please note that a store or bank may or may not accept a non-government ID (such as a pay stub or a school ID). A photo ID issued by the government (driver’s license, state ID, military ID, passport, etc.) is always the best bet.

In Summary

If you have an account at a bank, this will always be the easiest place to cash or deposit a money order. If you don’t have a bank account, you can visit numerous grocery stores, check cashing stores, retailers, and more to get the job done. While not as many places will cash a money order as will sell them, we hope that this article has provided you with plenty of options for where to turn you money order into cash.