Where Can I Cash a Money Order? At These 12 Places…

Places where you can cash a money order include banks, check cashing stores, grocery stores, and post offices. 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 be willing to travel to a nearby city to pay a lower fee; if finding a local spot is most important to you, you may be willing to pay a slightly higher fee.

The overall best option on our list is Walmart, which is local to most and charges relatively low fees. However, note that you can cash money orders at your bank for free if you have a bank account. 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 with no fees.

If you have a bank account, you can also deposit a money order directly into your account rather than cashing it. See our research on depositing a money order, mobile/online money order deposits, and depositing a money order at an ATM for more details.

Comparison Table

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

Location Maximum Fees
Citibank $5,000 Free for Citibank-issued money orders
Regions Bank $1,000 5% ($5 minimum)
TD Bank Varies by location $10
U.S. Bank None $7 for money orders over $50
ACE Cash Express None Around 3%
Amscot None 1.5% to 9.9%
Check Into Cash Varies by location 3% to 5%
Money Mart Varies by location Around 3%
Speedy Cash Varies by location $2 and up
Walmart $5,000 $3 up to $1,000; $6 for $1,000 to $5,000
Winco $1,000 $5 to $10
USPS None; paperwork needed for $10,000 or more Free for USPS money orders

Places That Cash Money Orders

Keep in mind that 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, see our research on how to cash a check without an ID.

Our list begins with the overall best options based on their location availability, membership restrictions, amount limits, and fees. In addition to the businesses listed below, we contacted Bank of America, Chase, and KeyBank, but were told that they only cash money orders for account holders.

1. Walmart

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

2. United States Postal Service (USPS)

  • Maximum amount: No maximum, although you will have to complete a Funds Transaction Report if your daily total in money orders cashed exceeds $10,000[2]
  • Cost to cash: Free for USPS money orders[3]
  • Find your nearest post office

3. Speedy Cash

4. ACE Cash Express

5. Money Mart

6. Check Into Cash

7. Citibank

8. Regions Bank

9. U.S. Bank

  • Maximum amount: No maximum amount, but  for non-account holders, U.S. Bank will only cash money orders issued by U.S. Bank.[13]
  • Cost to cash: $7 for money orders over $50[13]
  • Find the nearest U.S. Bank

10. Winco

Note: WinCo Will only cash a MoneyGram money order that was issued at WinCo.[14]

11. TD Bank

  • Maximum amount: Varies by location; for non-account holders, TD bank will only cash money orders issued by TD Bank.[16]
  • Cost to cash: $10[16]
  • Find the nearest TD Bank

12. Amscot

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.

Advance America

Family Fare

Jewel Osco

Los Altos Ranch Market




  • 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

In the course of our research, we found that the following places 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 (as previously reported)
  • Trader Joe’s
  • True Value
  • Sam’s Club
  • Wawa (as previously reported)
  • Whole Foods
  • Walgreens (as previously reported)
  1. Walmart store customer service representatives[]
  2. https://pe.usps.com/text/dmm300/509.htm#ep1124386[]
  3. https://www.usps.com/shop/money-orders.htm[]
  4. Speedy Cash customer service (888) 333-1360[]
  5. https://www.speedycash.com/check-cashing/[]
  6. ACE Cash Express customer service (972) 550-5000[][]
  7. Money Mart customer service (800) 361-1407[][]
  8. Check Into Cash customer service (877) 262-2274[]
  9. https://checkintocash.com/store-services/check-cashing/[]
  10. Citibank customer service (800) 374-9700[][]
  11. Regions customer service (800) 734-4667[]
  12. https://www.regions.com/virtualDocuments/Now-Banking-Fee-Schedule.pdf[]
  13. U.S. Bank customer service (800) 872-2657[][]
  14. https://www.wincofoods.com/customer-service/faqs/#checksnotaccepted[]
  15. https://www.wincofoods.com/customer-service/in-store-services[]
  16. TD Bank customer service (888) 751-9000[][]
  17. https://www.amscot.com/resources/check_cashing_rates.pdf[]


  • 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.

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      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 says:

    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?

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

  • 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


      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.

      • 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

        • Rebecca Turley says:
          First Quarter Finance logostaff

          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!

      • 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.

        • Laura Bachmann says:
          First Quarter Finance logostaff

          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.