Where Can You Cash a MoneyGram? (Walmart? Banks? etc) Answered

MoneyGram logo sign on the outside of a building

You can cash a MoneyGram at various retailers, check cashing stores, and banks that serve as MoneyGram agents.

Below, we list the places that cash MoneyGram money orders. Our list includes information about typical store hours, maximum money order amounts, fees, and more.

What We Recommend

The easiest and cheapest way to cash a MoneyGram money order is to deposit it at your bank. While you’ll need to wait for the bank to process the money order, there’s no fee for this type of deposit.

Note that MoneyGram doesn’t allow mobile deposits (as previously reported), but at many banks, you can deposit a money order at an ATM. Find out more in our dedicated research on ATM money order deposits.

If you don’t have a bank account, you can still go to a bank to cash your money order, but the bank will charge a fee.

If you don’t have a bank account, check cashing stores are another option, but their fees will usually be higher than other options. They typically charge the maximum allowed by state law.[1]

The List

As noted above, you can cash MoneyGram money orders at banks, check cashing stores, and some retailers that serve as MoneyGram agents.

We list your options beginning with the best based on location availability and fees. We gathered this information by contacting customer service representatives for each business.


Regions Bank logo

Regions Bank

  • Requirements: Valid ID[2]
  • Maximum amount: None[3]
  • Fee: 4% of the money order amount with a $5 minimum fee[4]
  • Hours: Typically 9:00 a.m. to 5:00 p.m. weekdays[5]
  • Find a location

Old Second Bank logo

Old Second Bank

  • Requirements: Government-issued photo ID[6]
  • Maximum amount: $1,000[6]
  • Fee: $5 per money order[6]
  • Hours: Typically 9:00 a.m. to 5:00 p.m. on weekdays and 8:30 a.m. to 12 p.m. on Saturdays[7]
  • Find a location

Check Cashing Stores

ACE Cash Express Logo

ACE Cash Express

  • Requirements: Government-issued photo ID[8]
  • Maximum amount: Varies by location; ACE Cash Express does typically cash large money orders.[9][10]
  • Fee: Varies by location[9][10]
  • Hours: Typically open 9:00 a.m. to 7:00 p.m. on weekdays, 9:00 a.m. to 5:00 p.m. Saturday, and closed on Sunday[11]
  • Find a location

Check Into Cash logo

Check Into Cash

  • Requirements: Government-issued photo ID[12]
  • Maximum amount: Varies by location[13]
  • Fee: Varies by location[14]
  • Hours: Usually 10:00 a.m. to 6:00 p.m. weekday, 10:00 a.m. to 2:00 p.m. Saturday, and closed on Sunday[15]
  • Find a location

Speedy Cash logo

Speedy Cash

  • Requirements: Valid ID[16]
  • Maximum amount: Varies by location[17]
  • Fee: Varies by location; starts at $2[16]
  • Hours: Typically open 8:00 a.m. to 8:00 p.m. Monday through Saturday; most locations are closed on Sunday.[18]
  • Find a location

Money Mart

  • Requirements: Valid ID[19]
  • Maximum amount: Varies by location and availability of funds[19]
  • Fee: Varies by location[19]
  • Hours: Hours vary; most locations are closed on Sunday.[20]
  • Find a location

Amscot logo


  • Requirements: Government-issued photo ID[21]
  • Maximum amount: None[21]
  • Fee: Fees vary by location; fees are posted in the lobby of each Amscot location.[21]
  • Hours: Typically 8:00 a.m. to 9:00 p.m. on weekdays, 8:00 a.m. to 8 p.m. on Saturday, and 9:00 a.m. to 6:00 p.m. Sunday; some stores are open 24 hours.[22]
  • Find a location

Note: Amscot is only located in Florida.

Cliffs Check Cashing logo

Cliff’s Check Cashing

  • Requirements: Government-issued photo ID[23]
  • Maximum amount: No limit[23]
  • Fee: 4%[23]
  • Hours: Varies by location; some stores are open 24 hours[24]
  • Find a location

Note: Cliff’s Check Cashing is only located in Texas.

Friendly Check Cashing logo

Friendly Check Cashing

  • Requirements: Government-issued photo ID and check verification[25]
  • Maximum amount: None[25]
  • Fees: 5%[25]
  • Hours: Typically open 8:00 a.m. to 7:00 or 8:00 p.m. Monday through Friday, 8:00 a.m. to 5 p.m. Saturday, and closed Sunday[26]
  • Find a location

Note: Friendly Check Cashing is only located in North Carolina.

MoneyGram Agents

Walmart logo


  • Requirements: The money order must originally be from Walmart, and you’ll need to show a valid ID.[27]
  • 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.[28][27]
  • Cost to cash: $4 for money orders up to $1,000 and $8 for money orders up to $5,000 or $7,500[27]
  • Hours: Usually 6:00 a.m. to 11:00 p.m. daily[29]
  • Find a location

Places That Don’t Cash MoneyGram Money Orders

In the course of our research, we found that the following business won’t cash MoneyGram money orders, even if they’re MoneyGram agents and the MoneyGram was purchased from the store:

Have a money order that’s not a MoneyGram? Take a look at our list of places that cash money orders.

  1. https://www.cga.ct.gov/PS98/rpt%5Colr%5Chtm/98-R-1512.htm[]
  2. https://www.regions.com/-/media/pdfs/quick-guides/QuickGuide-Check-Cashing.pdf?revision=8c332bcf-b811-46cc-89b5-aa21b8117eee[]
  3. Regions Bank customer service via Facebook chat[]
  4. https://www.regions.com/personal-banking/check-cashing-and-cash-solutions/check-cashing[]
  5. https://www.regions.com/locator?type=branch&City=&State=&Zip=&PaginationId=0[]
  6. Old Second Bank customer service (877) 866-0202[][][]
  7. https://www.oldsecond.com/resources-services/locations/[]
  8. https://www.acecashexpress.com/check-cashing/[]
  9. https://www.acecashexpress.com/check-cashing[][]
  10. ACE Cash Express store customer service representatives[][]
  11. https://www.acecashexpress.com/locations/[]
  12. https://checkintocash.com/check-cashing/[]
  13. Check Into Cash customer service (877) 262-2274[]
  14. https://checkintocash.com/rates-and-terms/[]
  15. https://checkintocash.com/store-locator/[]
  16. https://www.speedycash.com/check-cashing/[][]
  17. Speedy Cash customer service (888) 333-1360[]
  18. https://www.speedycash.com/find-a-store/[]
  19. https://www.moneymart.com/check-cashing[][][]
  20. https://www.moneymart.com/StoreDetails/FindaStore[]
  21. https://www.amscot.com/amscot-faq.aspx[][][]
  22. https://www.amscot.com/locations.aspx[]
  23. Cliff’s Check Cashing customer service (972) 466-2332[][][]
  24. https://cliffscheckcashing.com/locations/[]
  25. Friendly Check Cashing customer service (800) 939-0216[][][]
  26. https://friendlycheck.com/store-locator/[]
  27. https://www.walmart.com/cp/check-cashing/632047[][][]
  28. Walmart store customer service representatives[]
  29. https://www.walmart.com/store-finder?location=73020[]
  30. 7-Eleven store customer service representatives[]
  31. Albertsons store customer service representatives[]
  32. BJ’s Wholesale customer service via live chat[]
  33. Circle K store customer service representatives[]
  34. Costco customer service via live chat[]
  35. CVS store customer service representatives[]
  36. Food City store customer service representatives[]
  37. https://www.foodlion.com/customer-service/policies-and-guarantees/[]
  38. https://www.gianteagle.com/about-us/policies[]
  39. https://www.publix.com/faq/customer-service[]
  40. QuikTrip store customer service representatives[]
  41. Rite Aid store customer service representatives[]
  42. Safeway customer service via live chat[]
  43. Sam’s Club store customer service representative[]
  44. Sam’s Club customer service via live chat[]
  45. Save-A-Lot store customer service representative[]
  46. Schnucks customer service via Facebook chat[]
  47. ShopRite store customer service representatives[]
  48. Stop & Shop store customer service representative[]


20 comments - Comments are closed.

  • Lisa

    We just purchase a moneygram for $1,000.00 and gave it to another person as a form of payment. Walmart now has it blocked and refuses to cash this moneygram, with no explanation why. This is fraud and we plan to sue Walmart and moneygram. We now have a worthless piece of paper and lost $1,000.00. DO NOT PURCHASE MONEYGRAMS!!!!

    • First Quarter Finance logo
      First Quarter Finance | Kathleen Wilson

      Hi Lisa,
      I’m so sorry you’re having such a rough time with your MoneyGram money order. If Walmart is unwilling or unable to cash the MoneyGram, you can request a refund directly from MoneyGram — this way you can get back your money. Check out our article on How to Refund a Money Order for step-by-step instructions. I hope this helps you get your money back ASAP!

  • Monica

    I went to Ace Cash Express in Corona, CA as that is where I have my pre paid card and they said they would cash one moneygram money order for $500. They wanted to charge me 6% PLUS anywhere from $35 – $60 for processing fee. They also said I could go back in 5 business to cash the other one. This is ridiculous. These money orders were purchased with cash and do not understand why it is so difficult to find a location that will cash them. Very frustrating.

    • First Quarter Finance logo
      First Quarter Finance | Rebecca Turley

      Hi Monica,

      Yes, check cashing companies often charge an extraordinary amount of money to cash a money order. Make sure to consider other places mentioned in our article.

  • Mary G. Gibson

    CVS does not cash MoneyGram money orders in SC or LA. Very unfortunate right now.

  • sherry

    does family dollar take money gram international money order in cedar city utah, tried using that finder location thing and it does show anything BUT where to get them from

    • First Quarter Finance logo
      First Quarter Finance | Sarah Quinn


      I contacted the Family Dollar in Cedar City and confirmed that they do not cash international MoneyGram money orders. However, if you’re looking for a store that will cash your international MoneyGram money order in Cedar City, you can use the MoneyGram location finder to search for one. Simply enter your zip code or town in their Location Finder and click on the option that says “Search Filters” to pull up the menu for additional options. You can select “Purchase a money order” to find stores and locations that deal with MoneyGram money orders–but remember that not every place that sells money orders will cash them, so you’ll still want to call ahead. The location finder will also provide the address, hours, and telephone number for all locations that meet your search criteria, so it will give you a great sense of your local options. When I used the MoneyGram location finder to search Cedar City, I found that Advance America and QC Finance may both fit your needs. You’ll want to call ahead, as we’ve mentioned, to make sure that they can cash your international MoneyGram money order. I hope this helps!

  • Tammy Lovejoy

    I tried to cash two money orders from money gram at Walmart that I purchased myself and they wouldn’t cash them out. They gave me a number to some company called certagy. I was upset and very confused. I PAID FOR THE MONEY ORDERS and I couldn’t cash them!

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

      Hi Tammy,

      I’m sorry to hear about the trouble you had with your Walmart money order! Certegy is the company that Walmart uses to verify checks before they can be cashed. It seems that there may be something in your Certegy record that was flagged by Walmart’s system when you went to cash the money order. (The Certegy FAQs page provides some additional information about what this company does.) The best option is likely to get in touch with Certegy at the number that Walmart provided to see if there’s an issue with your Certegy history, and resolve it if necessary. If the money order is made out in your name and you have a bank account, you can also deposit the money order at your bank as you would with a regular check. Best of luck getting this resolved, and let me know if I can answer any further questions!

      • Amoscita Rodriguez

        Please explain why Certegy would flag a money order that was purchased from Walmart, especially if Walmart claims that they will cash a money order from their store?This doesn’t make since! My husband and I are facing the same issue as Tammy and this is a money order that is a large amount of money, we have the receipt and everything.

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

          Hi Amoscita,

          While Walmart does typically cash money orders purchased at another Walmart, the Certegy system doesn’t necessarily look to weed out money orders purchased from other places — it uses a proprietary algorithm to determine the risk of a particular money order or check being fraudulent or invalid. There are numerous reasons that a check or money order could be flagged by Certegy, including an outstanding bounced check associated with a customer’s name or another indicator that the check/money order may not be valid. You can request that Certegy provides you with the specific information in your file by visiting the Declined Check Lookup page on the Certegy website. Unfortunately, if Walmart will not allow the money order to be cashed there, you may need to deposit the money order in your bank account or have it cashed at another place that cashes checks. Best of luck getting this resolved!

          • Karen Wo

            I just read that walmart will only cash money orders purchased at a wal mart store which wojuld mean any store its terrible when you pay cash for these to give to someone and they dont take it then your fricken stuck!!

          • First Quarter Finance logo
            First Quarter Finance | Laura Bachmann

            Hi Karen,

            You’re right — Walmart only cashes MoneyGram money orders issued at another Walmart. We actually have a whole article about money orders at Walmart, if you need to know anything else about their money order policies!

  • janice

    Ofcourse, you never directly answered my question, WHICH WAS, after how long does a Moneygram last before expiration if not cashed

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

      Hi Janice,

      I apologize that you had trouble finding the answer to your question! MoneyGram money orders are valid for one year after purchase. After that time, a service charge will be applied to the money order. The money order can still be cashed, but the service charge will be deducted from the face value of the money order when it is presented for payment. The amount of the service charge varies by state. You can read more in our article about when money orders expire. I hope this helps!

  • Lee

    I move a lot of cash around in my line of work. I deal with every payment processor (online or brick and mortar) in existence and I can tell you two things:

    Most (if not all) CVS locations will NOT cash a Moneygram money order. They’ll issue them when you receive a Moneygram transfer in the middle of the night and they can’t give you the cash. They will not, however, cash them later. I live in Houston and have asked dozens of locations and none will do it. Maybe it’s a TX thing, but I seriously doubt it.

    Walmart will ONLY cash cash Moneygram money orders that were purchased FROM a Walmart location. The fees for this are $3 up to and including $1000 money orders and $6 for orders between $1001-$5000. Not free. Nothing is free and Walmart didn’t become a billion dollar entity taking risks for no quantitative return. While I loathe Walmart and their so-called “Money Center” in particular, I can’t blame them for not cashing random money orders at all much less for free.

    • First Quarter Finance logo
      First Quarter Finance | William Lipovsky

      Hi Lee,

      Thank you for taking the time to leave this comment. It has prompted a reevaluation of the entire article to ensure accuracy. We are terribly sorry for any confusion it has caused in its current state.

  • Kelly

    CVS does not cash Moneygram in PA.

    • First Quarter Finance logo
      First Quarter Finance | William Lipovsky

      Hi Kelly,

      You’re right. Unfortunately not all CVS locations do cash MoneyGram’s. I’ve edited the description to let others know that not every CVS store must cash them. Most do – but not all. Thank you very much for your comment.

      • Shannon

        Very true . I just tried at a CVS off Sunrise Way/ Ramon Road in PALM Springs and they do not cash Money Grams.

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