Where Can I Cash a MoneyGram? Walmart? Banks? etc Answered

If you’re wondering, “Where Can I Cash a MoneyGram?” we have the selection of places for you to choose from. We’ve included all the important information about stores that cash MoneyGram money orders, including typical store hours, maximum order amount, how much it costs, and more.

Places That Cash MoneyGram Money Orders

The best bet for cashing a money order is at your own bank, but some banks will also cash money orders for non-customers. Check cashing stores usually cash money orders, but often for a high fee. And, on rare occasion, MoneyGram agents will cash money orders.

Banks

The easiest and cheapest way to get the money out of your money order is to deposit it into your own bank account, then withdraw the funds after they clear. Of course, this requires a small wait and is depositing, not cashing. Some banks will let you deposit a money order into your account with their mobile app, see more about it: Can You Mobile Deposit a Money Order/Deposit It Online? Here’s How. And, at many banks, you can deposit a money order at an ATM; find out more in our article: Can You Deposit a Money Order at an ATM? Yes. Here’s How.

If you don’t have a bank account to deposit your money order into, you can still go to a bank to cash your money order. But, the bank will charge you a fee for the service. The following banks cash MoneyGram money orders for non-customers.

Old Second Bank

  • Money orders cashed: Any money order
  • How to cash: Go to a bank teller, bring a government issued photo ID and know or bring your SSN or ITIN
  • Maximum amount: $1,500
  • Cost to cash: For money orders under $500, a flat fee of $5; for money orders over $500, 1% of face value
  • Hours: Typically 8:30 a.m. to 5:00 p.m. weekdays; some branches are also open 8:30 a.m. to 12:00 p.m. Saturdays
  • More info: Old Second Bank Money Services
  • Find an Old Second Bank

Regions Bank

  • Money orders cashed: Any money order
  • How to cash: Go to a bank teller, and be prepared to show a government issued, photo ID
  • Maximum amount: No limit
  • Cost to cash: $5 or 5%, whichever is greater
  • Hours: Typically 9:00 a.m. to 5:00 p.m. weekdays
  • More info: Regions Now Banking – Fees and Charges
  • Find a Regions Bank

Check Cashing Stores

Check cashing stores will often cash money orders without limits, but their fees will be the highest you’ll encounter. A word of warning — they usually don’t publish their fees, and will typically charge the maximum allowed by state law. Call ahead to avoid a shock when you get there.

ACE Cash Express

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, you’ll need to show a photo ID.
  • Maximum amount: No limit
  • Cost to cash: Varies by location
  • Hours: Typically open 9:00 a.m. – 7:00 p.m. Monday through Thursday; 9:00 a.m. – 8:00 p.m. Friday; 9:00 a.m. – 6:00 p.m. Saturday; 10:00 a.m. – 5:00 p.m. Sunday.
  • More info: ACE Cash Express Check Cashing
  • Find an ACE Cash Express

Amscot

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, you’ll need to show a government issued photo ID
  • Maximum amount: No limit
  • Cost to cash: $3 or 9.9%, whichever is greater
  • Hours: Typically 7:00 a.m. to 10:00 p.m. Monday to Saturday, and 10:00 a.m. to 8:00 p.m. Sundays; but some stores are open 24 hours
  • More info: Amscot Check Cashing and Money Order Policy
  • Find an Amscot (Florida only)

Check Into Cash

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, if it’s your first time, you’ll have to apply for a preferred check cashing card, which costs $2. You’ll need to show a government issued photo ID.
  • Maximum amount: No limit
  • Cost to cash: Varies by location
  • Hours: Usually 10:00 a.m. to 6:00 p.m. weekdays; and 10:00 a.m. to 3:00 p.m. Saturdays
  • More info: Check Cashing Service
  • Find a Check Into Cash

Cliff’s Check Cashing

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, you’ll need to show a photo ID.
  • Maximum amount: No limit
  • Cost to cash: Varies by location
  • Hours: Varies by location; some stores open 24 hours, others with much more limited hours
  • More info: Cliff’s Services
  • Find a Cliff’s Check Cashing (Texas only)

Friendly Check

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, you’ll need to show a photo ID.
  • Maximum amount: Varies by location
  • Cost to cash: Varies by location
  • Hours: Typically open 9:00 a.m. – 5:00 p.m. Monday through Friday and closed on weekends
  • More info: Friendly Check Cashing
  • Find a Friendly Check Cashing (North Carolina only)

Money Mart

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, you’ll need to show a government issued photo ID
  • Maximum amount: Varies by location
  • Cost to cash: Varies by location
  • Hours: Typically 8:00 or 9:00 a.m. to 8:00 or 9:00 p.m. weekdays; most locations are open weekends with shorter hours. Hours vary by location.
  • More info: Money Mart Check Cashing
  • Find a Money Mart

Speedy Cash

  • Money orders cashed: Any money order
  • How to cash: Head to the counter, you’ll need to show a photo ID.
  • Maximum amount: Varies by location
  • Cost to cash: Fees start at $2, but are usually much higher
  • Hours: Typically open 8:00 a.m. – 8:00 p.m. Monday through Saturday and 10:00 a.m. to 4:00 p.m. on Sundays
  • More info: Speedy Cash Check Cashing
  • Find a Speedy Cash

MoneyGram Agents

Places that sell MoneyGram money orders are called MoneyGram agents. Most of these places don’t also cash money orders, and if they do, they’ll usually only cash money orders that they sold themselves. Here is the only MoneyGram agent we found that will cash some money orders.

Walmart

  • Money orders cashed: Only money orders that were purchased at Walmart
  • How to cash: Head to the Walmart MoneyCenter, you’ll need to show a photo ID.
  • Maximum amount: $1,000
  • Cost to cash: $3
  • Hours: MoneyCenter hours are usually 7:00 or 8:00 a.m. to 8:00 or 9:00 p.m.
  • More info: Walmart Money Order Common Questions
  • Find a Walmart with a MoneyCenter (scroll down and look for Money Center or Money Services under “Departments and Services” to be sure yours cashes money orders)

Places That Don’t Cash MoneyGram Money Orders

Most MoneyGram agents and all Western Union agents won’t cash MoneyGram money orders. There are also some stores that don’t have any money order services, even though they seem similar to many stores that do.

MoneyGram Agents

Some MoneyGram agents won’t even cash a money order if you bought it at one of their stores. Here’s the list:

Western Union Agents

The following stores are Western Union agents, and not MoneyGram agents, but they do sell money orders. Sometimes they’ll cash a money order that they sold, but they’ll never cash your MoneyGram.

Stores That Don’t Do Money Orders at All

  • BJ’s (no in-store financial services)
  • Costco (For details, see our article: Does Costco Do Money Orders?)
  • Mariano’s (no in-store financial services)
  • Sam’s Club (money orders not included in their financial services)
  • Save-A-Lot (no in-store financial services)

In Summary

Now you know where to cash a MoneyGram. Remember that if you’re struggling to find a store that will take care of your MoneyGram money order cashing needs, you can almost always cash a money order with your own bank or with the bank that issued the money order, usually free of charge. If the MoneyGram money order was issued by a store, you may have the best luck cashing it with another location of the same institution that issued it.

Have a money order that’s not a MoneyGram? Take a look at our article Where Can I Cash a Money Order? At These 20+ Places or Where Can I Cash a Western Union Money Order.

Leave a Comment

20 comments

  • 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!!!!

  • 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.

    • 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.

  • 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

    • Sherry,

      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!

  • 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!

    • 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!

      • 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.

        • 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!

          • 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!!

          • 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!

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

    • 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!

  • 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.

    • 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.

    • 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.

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