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

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

Follow the link provided in the table for further details.

Place:Type:Max:Cost:
Bank of AmericaBank/Credit Union$500 for non-account holders$6/money order
Capital OneBank/Credit UnionNone$0 under $100; $7 over $100
Chase BankBank/Credit UnionNone$8 for non-account holders
CitibankBank/Credit UnionNone$0 under $5,000
HSBCBank/Credit UnionNoneVaries by location
KeyBankBank/Credit UnionNone$5-$10 depending on location
Old Second BankBank/Credit Union$1,500$5 under $500; 1% over $500
Regions BankBank/Credit UnionNone5% + $3
SunTrustBank/Credit UnionNone1%-3%
TD BankBank/Credit UnionVaries by location$7 for non-account holders
US BankBank/Credit UnionNone$7
Wells FargoBank/Credit UnionNoneFor members only. Fee varies by location
ACE Cash ExpressCheck CashingNoneVaries by location
AmscotCheck CashingVaries by locationVaries by location
Check Into CashCheck CashingVaries by locationVaries by location
Cliff's Check Cashing (TX)Check CashingNoneVaries by location
Friendly CheckCheck CashingVaries by locationVaries by location
Money MartCheck CashingVaries by locationVaries by location
Speedy CashCheck CashingVaries by locationVaries by location
AlbertsonsGrocery/RetailerVaries by locationVaries by location
Rite AidGrocery/RetailerVaries by locationVaries by location
WalmartGrocery/Retailer$5,000$3 under $1,000; $6 over $1,000
WinCoGrocery/RetailerVaries by locationVaries by location

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.

1. Bank of America

2. Capital One

3. Chase Bank

4. Citibank

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

5. HSBC

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

6. KeyBank

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

7. Old Second Bank

8. Regions Bank

9. SunTrust

10. 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

11. US Bank

Check Cashing Stores

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.

13. ACE Cash Express

14. Amscot: The Money Superstore

15. Check Into Cash

16. Cliff’s Check Cashing (Texas)

17. Friendly Check

18. Money Mart

19. Speedy Cash

Grocery Stores

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.

21. Walmart

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

22. 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

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

Vons

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

Shaw’s

Where You Can’t Cash

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
  • Whole Foods
  • 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.