Can You Deposit a Money Order at an ATM? Answered

Can You Deposit a Money Order at an ATM?

Some banks allow account holders to deposit money orders at the ATM. There is no charge for this service.

If your bank allows this, you’ll follow the same process as you would when depositing a check at the ATM; just sign the money order and follow the deposit instructions on the ATM screen.

Note that you can only make deposits at ATMs within your bank’s network (which may not include ATMs inside retail stores).

Additionally, some ATMs are designed to dispense cash only rather than taking deposits. You’ll want to make sure you’re visiting a deposit-taking ATM that accepts your ATM card before attempting to deposit the money order.

You can deposit all types of money orders — including USPS, MoneyGram, and Western Union — at eligible ATMs. For more information on money orders and how they work, see our money order FAQ.

Banks That Allow ATM Deposits of Money Orders

Below, we list the banks that allow account holders to deposit money orders at the ATM.

Most banks treat money orders the same as checks, meaning you won’t have full access to the funds right away after making an ATM deposit. Our list includes information about each bank’s processing time for deposits.

Capital One

• Provisional access to funds: None^[1]
• Full access to funds: Varies by location; generally within two business days^[1][2]
• Find an ATM

Chase

• Provisional access to funds: None^[3]
• Full access to funds: Generally the next business day^[4][3]
• Find an ATM

Citizens Bank

• Provisional access to funds: Varies by how long you’ve been a Citizens customer, the size of the money order, and the money order’s issuer^[5]
• Full access to funds: Varies by how long you’ve been a Citizens customer, the size of the money order, and the money order’s issuer^[5]
• Find an ATM

Santander Bank

• Provisional access to funds: Immediate access to $100 via same-day ATM withdrawal; $225 available the next business day^[6]
• Full access to funds: Up to six business days^[6]
• Find an ATM

TD Bank

• Provisional access to funds: Immediate access to the first $100 of your deposit^[7]
• Full access to funds: Next business day^[7]
• Find an ATM

Note: See our dedicated research on TD Bank’s money order policy.

Wells Fargo

• Provisional access to funds: All funds are generally accessible on the same business day as long as the deposit was made before the ATM’s posted cutoff time.^[8]
• Full access to funds: Generally the same business day as long as the deposit was made before the ATM’s posted cutoff time^[8]
• Find an ATM

Alternative Methods of Depositing Money Orders

If your bank doesn’t allow ATM deposits of money orders, it may allow you to deposit them through its mobile app. For more information, see our research on banks that allow mobile deposits of money orders.

If your bank doesn’t allow mobile or ATM deposits for money orders, you can instead deposit the money order to your account by visiting a teller at your nearest branch.