11 Places Where You Can Cash a Money Order

Man with cash in his wallet

Places where you can cash a money order include banks, check cashing stores, grocery stores, and post offices.

Knowing your options can save you time when running errands if you’ll be dropping by places that cash them. Having policy details on hand can also save you money on fees and make sure you get to the right place for the amount you need.

Below, we have the list of places that cash money orders — including how much they charge for this service and their transaction limits.

What We Recommend

The best place to cash a money order will depend on the amount of your money order and which cashing locations are closest to you.

Since fees often vary by location, you may want to travel to a nearby city to pay a lower fee; if finding a local spot is most important to you, you may end up paying a slightly higher fee.

The overall best option on our list is Walmart, which is local to most and charges relatively low fees.[1]

However, note that you can cash money orders at your bank for free if you have a bank account.

You can also deposit a money order directly into your account rather than cashing it. For more details, see our research on mobile/online money order deposits.

Additionally, if the money order you want to cash is issued by the U.S. Postal Service, you can cash it at your local post office without any fees.[2][3]

Comparison Table

See the table below for a quick comparison of the money order cashing policies at places that offer it, then select any business name or scroll to the list below for more information.

Location Maximum Fees
Regions BankNone 4% ($5 minimum)
Chase Bank$1,000 Free for $49.99 or less; $10 for $50 or more
U.S. BankVaries by location and availability $7.50
ACE Cash ExpressVaries by location; generally accepts large amounts Varies by location
AmscotNone Varies by location
Check Into CashVaries by location Varies by location
Money MartVaries by location Varies by location
Speedy CashVaries by location $2 and up
Walmart$5,000 or $7,500; varies by time of year $4 up to $1,000; $8 for $1,001 and above
Winco$1,000 Varies by location
USPSNone; paperwork needed for $10,000 or more Free for USPS money orders
Table Plugin

The List

Keep in mind that any time you cash a money order, you’ll be asked to provide a valid, government-issued photo ID.

Options are listed beginning with the overall best ones based on location availability, membership restrictions, amount limits, and fees.

In addition to the businesses listed below, we contacted Bank of America and KeyBank but were told they only cash money orders for account holders.

Walmart logo

1. Walmart

  • Maximum amount: $5,000 May to December and $7,500 January to April; note that Walmart will only cash a MoneyGram money order that was issued at Walmart.[4][1]
  • Cost to cash: $4 for money orders up to $1,000 and $8 for money orders up to $5,000 or $7,500[1]
  • Find a location

Find out more in our dedicated research on Walmart’s money order policies.

2. United States Postal Service (USPS)

  • Maximum amount: No maximum, but you’ll have to complete a Funds Transaction Report if your daily total in money orders cashed exceeds $10,000.[5]
  • Cost to cash: Free for USPS money orders[2][3]
  • Find a location

Speedy Cash logo

3. Speedy Cash

  • Maximum amount: Varies by location[6]
  • Cost to cash: Varies by location; minimum fee of $2[7]
  • Find a location

ACE Cash Express Logo

4. ACE Cash Express

  • Maximum amount: Varies by location; ACE Cash Express does typically cash large money orders.[8][9]
  • Cost to cash: Varies by location[8][9]
  • Find a location

5. Money Mart

  • Maximum amount: Varies by location and availability of funds[10]
  • Cost to cash: Varies by location[10]
  • Find a location

Check Into Cash logo

6. Check Into Cash

Regions Bank logo

7. Regions Bank

US Bank logo

8. U.S. Bank

  • Maximum amount: Varies by location and availability of funds[15]
  • Cost to cash: $7.50 for non-account holders[15]
  • Find a location

Chase Bank logo

9. Chase Bank

  • Maximum amount: $1,000; note that Chase will only cash a money order that was issued by Chase bank.[16]
  • Cost to cash: $10 for non-account holders cashing a money order $50 or higher; free for money orders less than $50[16]
  • Find a location

Winco Foods logo

10. WinCo Foods

  • Maximum amount: $1,000; note that WinCo will only cash a MoneyGram money order that was issued at WinCo.[17][18]
  • Cost to cash: Minimal fee; varies by location[17][18]
  • Find a location

Amscot logo

11. Amscot

  • Maximum amount: None[19]
  • Cost to cash: Fees vary by location; fees are posted in the lobby of each Amscot location.[19]
  • Find a location

Where You Might Be Able to Cash a Money Order

The following places offer MoneyGram, Western Union, or check cashing services and may cash your money order; however, their services vary from one location to another.

It’s best to contact your local store to confirm that it cashes money orders before visiting.

Where You Can’t Cash a Money Order

In the course of our research, we found that the following places don’t cash money orders:

  1. https://www.walmart.com/cp/check-cashing/632047[][][]
  2. https://www.usps.com/shop/money-orders.htm[][]
  3. https://faq.usps.com/s/article/Money-Orders-The-Basics[][]
  4. Walmart store customer service representatives[]
  5. https://pe.usps.com/text/dmm300/509.htm#ep1124386[]
  6. Speedy Cash customer service (888) 333-1360[]
  7. https://www.speedycash.com/check-cashing/[]
  8. https://www.acecashexpress.com/check-cashing[][]
  9. ACE Cash Express store customer service representatives[][]
  10. https://www.moneymart.com/check-cashing[][]
  11. Check Into Cash customer service (877) 262-2274[]
  12. https://checkintocash.com/rates-and-terms/[]
  13. Regions Bank customer service via Facebook chat[]
  14. https://www.regions.com/personal-banking/check-cashing-and-cash-solutions/check-cashing[]
  15. U.S. Bank customer service via Facebook chat[][]
  16. Chase Bank customer service via Facebook chat[][]
  17. https://www.wincofoods.com/customer-service/faqs/[][]
  18. Winco Foods store customer service representatives[][]
  19. https://www.amscot.com/amscot-faq.aspx[][]
  20. Family Fare customer service (844) 251-3999[]
  21. Jewel-Osco customer service via live chat[]
  22. Kroger customer service via live chat[][]
  23. Ralphs customer service via live chat[]
  24. Shaws customer service via live chat[]
  25. Vons customer service via live chat[]
  26. 7-Eleven store customer service representatives[]
  27. Advance America store customer service representatives[]
  28. ALDI customer service via Facebook chat[]
  29. BJ’s Wholesale customer service via live chat[]
  30. Citibank customer service via Facebook chat[]
  31. Costco customer service via live chat[]
  32. CVS store customer service representatives[]
  33. Dollar General customer service via Facebook chat[]
  34. Dollar Tree store customer service representatives[]
  35. Walgreens customer service live chat[]
  36. https://www.publix.com/faq/customer-service[]
  37. Target customer service via Facebook chat[]
  38. TD Bank customer service via Facebook chat[]
  39. Trader Joe’s store customer service representatives[]
  40. True Value store customer service representatives[]
  41. Sam’s Club customer service via live chat[]
  42. Walgreens customer service live chat[]
  43. Wawa customer service (800) 444-9292[]
  44. Whole Foods customer service via live chat[]


  • M.

    Not sure if your company may already be aware, but there are definitely some updates/corrections/specifications that would help in your article above on “Where Can I Cash a Money Order”. As an example, Bank of America does not cash money orders for non-account holders, and Chase Bank only cashes them if the money order was issued at a Chase Bank.

    • First Quarter Finance logo
      First Quarter Finance | Lindsey Desmet

      Hello, M! We have updated the Banks section of our article and are working on a thorough review of the entire list. Thank you for bringing this to our attention!

  • Phyllis Ellis

    I found in back of my file cabinet three $100 American Express money orders I bought in 1997. I took them to Chase Bank which is my bank they would not take them. Now what only one for some reason I also have receipt. Now what?

  • Nunie

    Wrote on money order western union no longer need it how do l get money back today

    • First Quarter Finance logo
      First Quarter Finance | Laura Bachmann

      Hi Nunie,

      You can read more about how to have a money order refunded here.

  • Stacy b

    I bought a money or order from 711 and need to cash it as soon as possible . I live in oakley ca . Does assn one know where I could possibly get it cashed without a bank account . Thank you

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Stacy,

      Who is the payee of the money order? If you bought a money order that you no longer need, you will need to apply for a refund through either MoneyGram or Western Union. If the money order is in your name, you can cash it at Safeway (there are 3 in Oakley) or Rite Aid (there’s 1 in Oakley).

  • Name* (displayed publicly)

    Where can I go to cash a Westner Union money order at 12 o’clock at night….

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi there!

      Amscot, Alberton’s and Safeway all have extended hours. Before heading out, it’s always a good idea to contact the store where you want to cash your money order to confirm they are open and offer Western Union money order cashing services.

  • Name* (displayed publicly)

    can I use MO at a store and will they give me the remaining balance? MO is for 500, purchased something for 200. Will they give me 300 cash?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      If you have a money order, you will want to cash it at one of the locations listed in the article. Most retail stores will not take a money order as a form of payment — you will need to cash it first.

  • Name* (displayed publicly)

    Hi, I have MO, but don’t have an ID. Where can I cash the MO at? Also can I go to the grocery store and use MO to purchase items?

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      If you want to cash a money order, you will need to bring a photo ID with you. You may be able to deposit into your checking account without a photo ID.

  • Name* (displayed publicly)

    Hi, I have MO, but don’t have an ID. Where can I cash the MO at? Also can I go to the grocery store and use MO to purchase items? Without a ID? Thanks

  • Donald

    I had lost my job just before the holidays here in Siuthern California. My Aunt from Michigan had sent me a check for my birthday from the en of October and since my Credit Union allowed others to continue to withdrawal money out of my accounts and I had nothing coming in, my accounts where in the negative. So after having this $50 check for almost 2 months and not being able to cash it now. When my parents sent me my Christmas present in Cash this year, to help me survive. I went ahead and said send a money order. Boy not any better than a check. After spending a few hours researching the Web. I felt confident going out to cash it. By end of day one I had used half of my cars gas tank full of fuel and still money border in hand. I found many places have there own policy’s depending on where they are. But as for The Inland Empire and Northern Orange County here in Southern California it’s very difficult to cash. Since it had MoneyGram’s name on it. That’s where I started at Wal-Mart, then cVS ( I asked lady if she cashed Money Orders and she told me they sellMoneyGram M.O., but do not cash. Lastly I noticed it said MoneyGram blah, blah, payable something Wells Fargo. After 3 Wells Fargo turned it down which took a long time. Nobody really had a definite answer then when it was decided to not cash, no answer why not either. The last lady said I would only be able to cash it at same store it was written. Hmm if she means Wal-Mary (where my mom got it) I already been there? Oh she must mean Michigan, because that’s only a couple thousands miles away….
    Day 2 lead me to places I searched Day 1 evening. I went to Check Cashing/ Payday Loan Places. Which I had never been in to, or new anything about, until this day. Payday Loan and Speedy Cash were not able but finally Money Mart could, would, and did cash it. Minus the 15% fee I had my $60 of the $75 M.O. That completely consumed my life for almost 36 hours. My conclusion is itS hard to cash anything without a bank or credit union open/active account. Though the fees are high, I will always start at the Check Cashing Stires first if ever I had a Miney Order again.
    Please note* The absolute cheapest and FASTEsT way to send/recieve money I have found is Wal-Mart to Wal-Mart money transfer provided they MoneyGram. Up to $500 for $9.50 in 10 minutes or online it’s a few Dollars more and sender don’t even have to leave home. I can pickup at any Wal-Mart in my state in 10mins with reference number and Photo ID!!!

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      I’m so sorry to hear that you had such a difficult time cashing your money order. What an ordeal! I’m so glad that you were finally able to get it cashed at the Money Mart location you visited.
      You’re absolutely correct: Wells Fargo only cashes money orders for members of their bank, not for non-members, and we’ve already made that change so the article above reflects Wells Fargo’s current policy (I contacted Wells Fargo corporate headquarters to verify this information).
      CVS, as you correctly mentioned, does not cash money orders at all.
      Speedy Cash only offers check cashing services at some locations, so it’s possible that the location you visited was one of those that does not offer those services.
      Walmart does cash MoneyGram money orders issued at Walmart, so I’m truly sorry to hear that the Walmart you visited wasn’t able to cash your money order. I definitely recommend contacting Walmart’s customer service to let them know about your store experience so that they can make improvements to their MoneyGram services.
      Thank you for offering our readers the tip about the Walmart to Walmart money orders provided by MoneyGram. We truly appreciate the time you took to let us know about your experience so we can continue to provide accurate information to our readers.

  • Sabrina Reyes

    Where to cash a 7-11 money order in garden grove ,ca

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Sabrina,

      The easiest place to cash a money order will always be your own bank. If you don’t have a bank account, then you’ll most likely need to use a check cashing store (although be aware that fees are sometimes high at these places). Speedy Cash has numerous locations in the area of Garden Grove, CA, and ACE Cash Express has a location on Harbor Blvd in Garden Grove. The Rite Aid location in Garden Grove may be another option, but we recommend you call ahead to be sure that your money order will be accepted there. Be sure that you have a valid government ID with you when you go to have your money order cashed. I hope this helps!

  • Chelli

    I don’t see anywhere in this article credit unions. I’m guessing they fall under the same category as banks, but I don’t want to assume.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Chelli,

      You’re right — credit unions and banks will tend to have similar policies, in that as a general rule you can always cash a money order at either your own credit union, or at the credit union from which the money order originated. Like banks, each credit union can have its own individual policies, restrictions, and fees for cashing money orders (particularly for non-customers), so it’s worth contacting the credit union that you’ll be working with if you have any specific questions. I hope this helps!

  • Brad Johnson

    I have actually managed to call or visit in person every one of the locations listed above (any that are in or near Auburn, AL anyway), and I can tell you with all certainty that none of the listed places will cash a money order. Even the store I purchased it from will not cash it. I purchased it and soon realized as I approached my car that my landlord would no longer accept money order for my rent payment per the letter they sent to all tenants last month. So, with the money order only minutes old and with no information written on it at all, I walked back inside with receipt in hand as I got the idea that a Western Union agent will happily refund a Western Union money order they issued if you have the receipt and it hasn’t been filled out from a website I looked up when I realized my mistake and the very same clerk who sold it to me not 5 minutes before said they don’t cash money orders or refund them. I’ve spent the last two days calling or visiting every agent location in town shown on the WU website, which included all of the above stores mentioned and not one of them will cash the money order. My bank won’t even cash them, and my wife’s bank will only deposit them.

    The only place(s) I have found so far that will cash them are check cashing places which are all doubled as payday loan stores in this city, so the fees are utterly ridiculous. And, none of them will give you any indication at all over the phone what the fee could possibly be, you have to physically go into the store. Oh, and the ones that I did visit before getting really pissed and giving up and just making it payable to my wife, claim they can’t even give you a few until the money order is scanned into their system and approved for which you have to sign the agreement form that binds you to whatever bad news they give you as far as the fee goes, because by that point you are legally obligated to honor the contract between you and the payer to pay them whatever steep fee they decide to give you.

    I thought money orders would be an easier form to deal with since you have to use secured funds to purchase them, but these things are like you’re carrying around a contagious disease or something.

    • First Quarter Finance logo
      First Quarter Finance | Hillary M. Miller

      Hi Brad,

      I’m sorry to hear about all the frustration you had with your money order! Your comments have prompted a review of the entire article. We’ve gone ahead and verified the information with each company and updated the article accordingly. I’m glad you were eventually able to get the problem resolved and thank you for writing in with your experience.

  • Maggie

    where do I cash in a moneygram money order in Philadelphia, all moneygram locations are sending me to the bank and I dont have a bank account am visiting US, its very frustrating as I need the cash for my stay here.

    • First Quarter Finance logo
      First Quarter Finance | William Lipovsky

      Hi Maggie,

      This post should help.

  • Amanda D Marshall

    Where can I cash a Western Union money order issued at Kroger but they run it and it says all accounts are blocked

    • First Quarter Finance logo
      First Quarter Finance | William Lipovsky

      An error like that hasn’t been recorded anywhere online. Instead of Kroger, you can go to King Scoopers, Safeway, a Western Union store, nearly any bank or credit union with which you have an account, TD Bank without an account, many 7-Eleven’s and a few other places. Let us know more about the error if you would.

  • Shykeyla

    Wherr can I cash a seven eleven money order at in fall River mass?

    • First Quarter Finance logo
      First Quarter Finance | William Lipovsky

      There are several Western Union’s close by that will cash a 7-Eleven money order as it was originated using a Western Union machine. You can also cash it at a bank.

  • Mean

    Where can I cash a post office money order up to $400 in Louisiana?

      • Rich

        Only if it’s a Walmart money order. Been there tried that. Today. They will cash a payroll check but not a guaranteed money order. Makes as much sense as my ex wife

        • First Quarter Finance logo
          First Quarter Finance | Rebecca Turley

          Hi Rich,

          You’re right — we verified this information through Walmart.com and found that you can only cash MoneyGram money orders purchased at Walmart. We are updating the article to reflect this information. Thank you!

    • David

      You can cash the check at the post office for free. Any post office

      • Dave M

        Never buy one at CVS, They wont cash a Money gram Money order, Though they will give you cash sent to you or you can send it to others.
        It was from orginianiting store with recept attached.
        I needed my medication.
        I use it as a form of saving money. Ill just have to use Postal money orders Thise are worth the cash you give Money Gram. Im pretty upset.

        • First Quarter Finance logo
          First Quarter Finance | Laura Bachmann

          Hi Dave,

          We have specific articles on cashing MoneyGram, Western Union, and Postal money orders that you might be interested in. Buying money orders is not a very safe way to save money — if you lose the money order you’ve lost the money, just like if you saved cash. And, you’re probably incurring fees (though small) buying money orders.

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