In this article, we’re answering “Where can I cash a money order?” Not surprisingly, there are a few options available to you. We share them all below.
This article is part of our free series on “What is a money order?” including answers to common questions, unique opportunities, and more.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
Where Can I Cash a Money Order?
You can cash a money order at banks, credit unions, check cashing services, money transfer companies, accepting retail outlets, grocery stores, certain pharmacies and convenience stores, and post offices.
In most cases, you should first try to cash a money order at the service provider that issued the money order you are looking to cash. This is because it is often the least expensive option.
If you are unable to clear a money order where it originated, you can use any of the services referenced above. However, it’s important to note that each service will have its own requirements, process, and fee.
With this in mind, it is best to contact several places near you that clear money orders in order to confirm that your money order will be accepted, and the specific steps they will require in order to fulfill your request.
This is especially important if you do not have any retailers immediately nearby your location and you will need to travel in order to clear a money order that you have.
The list below takes a look at the specific locations where you can consider clearing a money order without a bank account.
Where Can You Cash a Money Order Without a Bank Account?
- Retail outlets like Walmart
- Grocery stores like Kroger
- Certain pharmacies like CVS
- Convenience stores like 7-Eleven
- Post office (USPS) locations
- Money transfer companies like Western Union
- Check cashing services like Amscot
Can I Cash a Money Order at a Bank?
Yes, you can cash a money order at a bank if you have an account at the bank. Alternatively, you can also clear a money order at a bank even if you do not have a bank account at the bank. To do so, you will need to visit the bank that originally issued the money order. Additionally, money orders issued by USPS are also typically processed by banks.
Can I Cash a Money Order at a Credit Union?
Yes, you can cash a money order at a credit union. However, in order to do so you will usually need to have an account at the credit union. Alternatively, credit unions will clear money orders that they originally issued. Likewise, money orders issued by USPS are also typically processed by credit unions.
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Frequently Asked Questions
Below are a few of the most common questions we receive from people looking into this topic. If you have further questions you would like to ask our team, don’t hesitate to get in touch.
Can You Cash a Money Order Anywhere?
No, you cannot cash a money order anywhere. Instead, you will need to process a money order at a financial institution, retail outlet, pharmacy, convenience store, or service provider that specifically offers money order services.
How Do I Cash a Money Order Made Out to Someone Else?
In order to cash a money order made out to someone else, the other person will need to endorse the money order to you. To endorse a money order, the recipient must sign the back of the money order along with the statement “Pay to the order of” accompanied by your full name as it appears on your government-issued identification.
Where Can I Cash a Money Order for Free?
You can usually cash a money order for free at the financial institution that issued the money order. That said, this is not always the case because certain financial institutions and money order providers do charge fees regardless of where the money order originates. With this in mind, if limiting fees is important to you, you should confirm the fees being offered by all possible service providers before deciding where to clear your money order.
Can I Cash a Money Order at Walmart?
Yes, you can cash a money order at Walmart. In order to clear a money order at Walmart you can visit your nearest Walmart location and visit the Money Services Center. That said, before visiting a Walmart to process a money order, you should contact their customer service line to confirm that they will accept the specific money order that you are looking to process.
How Can I Cash a Money Order Instantly?
In order to clear a money order instantly, you can visit any of the financial institutions, retail outlets, convenience stores, pharmacies, grocery stores, or check-clearing services that accept and clear money orders.
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