Where Can I Cash a Money Order? At These 20+ Places…

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 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 You Can Cash a Money Order

Note: Any time you cash a money order, you’ll be asked to provide a valid, government-issued photo ID. If you don’t have an ID, find helpful hints in our article How to Cash a Check Without ID or Bank Account? How It’s Done

Banks

You can always cash a money order at your bank without any added cost. If you don’t have a bank account, you can usually cash money orders at other banks, but this will cost you a fee. We’ve listed these non-account holder fees below.

Bank of America

Capital One

Chase Bank

Citibank

  • Maximum Order Cashed: $5,000
  • Cost to Cash: Free for a Citibank-issued money order
  • Source: Customer service
  • Find the nearest Citibank

HSBC

  • Maximum Order Cashed: No maximum
  • Cost to Cash: Varies by branch
  • Source: Customer service
  • Find the nearest HSBC

KeyBank

  • Maximum Order Cashed: No maximum amount specified
  • Cost to Cash: $5-$10; varies by state.
  • Source: Customer service
  • Find the nearest KeyBank

Old Second Bank

Regions Bank

SunTrust

TD Bank

  • Maximum Order Cashed: Varies by location. For non-account holders, TD bank will only cash money orders issued by TD Bank.
  • Cost to Cash: $7
  • Source: Customer support
  • Find the nearest TD Bank

US Bank

Check-Cashing Stores

Most check-cashing 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

Check Into Cash

Cliff’s Check Cashing (Texas)

Friendly Check

Money Mart

Speedy Cash

Grocery Stores and Retailers

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. Call ahead to your nearest location to make sure that they cash money orders.

Walmart

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

WinCo

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

If none of these places work for you, check out our articles: Can You Deposit a Money Order at an ATM? Yes. Here’s How and Can You Mobile Deposit a Money Order/Deposit It Online? Here’s How for alternative ways to deposit and cash money orders.

Where You Might 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. 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

Los Altos Ranch Market

Ralphs

See more in our article: Ralphs Money Order Policy FAQs

Shaw’s

Vons

  • Hours: Typically 5 a.m. to midnight. The Customer Service Desk (where money orders are typically purchased and cashed) may have more limited hours.
  • Find the nearest Vons

Where You Can’t Cash a Money Order

So you’re not left wondering, here’s a list of places that don’t cash money orders.

  • 7-Eleven
  • ALDI
  • BJ’s Wholesale
  • Costco
  • CVS
  • Dollar General
  • Dollar Tree
  • Duane Reade
  • Mariano’s
  • Pick ‘n Save
  • Publix
  • Target
  • Trader Joe’s
  • True Value
  • Sam’s Club
  • Wawa (see more about Wawa’s stance in this dedicated article)
  • Whole Foods (see more details in our article dedicated to the Whole Foods money order policy.)
  • Walgreens

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, you still have plenty of options for places to turn your money order into cash.

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32 comments

  • 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

    • Rebecca Turley says:
      First Quarter Finance logostaff

      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) says:

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

    • Rebecca Turley says:
      First Quarter Finance logostaff

      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) says:

    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?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      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) says:

    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?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      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) says:

    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

  • 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!!!

    • Sarah Quinn says:
      First Quarter Finance logostaff

      Donald,

      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.

  • 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.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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 says:

    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.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      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.

  • 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.

  • Amanda D Marshall says:

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

    • William Lipovsky says:
      First Quarter Finance logostaff

      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.

    • William Lipovsky says:
      First Quarter Finance logostaff

      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.