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What is a Money Order? How does a money order work and where to purchase one Advertiser disclosure: You’re our top priority. Each time. We believe that every person should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product that is available on the market however, we’re confident that the guidance we offer and the information we offer as well as the tools we design are independent, objective easy to use and free. So how do we make money? Our partners pay us. This can influence the products we write about (and where those products appear on our website), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of study. Our partners do not pay us to guarantee favorable review of their services or products. . What is a money order? How does a money Order works and where to Buy One Money Order is a dependable payment that you can purchase at locations like Walmart or the post office as well as your bank. Written by Margarette Burnette Senior Writer Savings accounts as well as money market accounts banking Margarette Burnette is a financial expert who has written about bank accounts since prior to even the Great Recession. Her writing has been featured in , and other major newspapers. Prior to becoming a part of NerdWallet, Margarette was a freelance journalist, with bylines appearing in magazines such as Good Housekeeping, and Parenting. She lives near Atlanta, Georgia. Nov 23rd, 2022 Edited by Yuliya Goldshteyn Assistant editor Yuliya Goldshteyn is a bank editor with NerdWallet. She was previously an editor as well as a researcher and writer in industries ranging from health care to market research. She received a bachelor’s level degree in history at Berkeley at the University of California, Berkeley and a master’s in sociology from the University of Chicago. She can be reached by email at

. Reviewed by Kathleen Burns Kingsbury Wealth psychology expert and coach Kathleen Burns Kingsbury, founder of KBK Wealth Connection and host of the Breaking Money Silence podcast, is a well-known speaker and author. As an expert in the psychology of money, Kathleen is a regular on the television, and her writing has been highlighted on The New York Times, The Wall Street Journal, “PBS NewsHour,”” Money magazine, Today Money, Forbes and CNBC. Kathleen served as an adjunct faculty member of McCallum Graduate School from 2009 to 2019. McCallum Graduate School at Bentley University from 2009 to 2019, and is now a professor at Champlain College. At NerdWallet the content we publish goes through rigorous . We have such confidence in the accuracy and quality of our content that we allow outside experts inspect our work. Many or all of the items featured on this page are made by our partners, who pay us. This influences which products we feature as well as the place and way the product is featured on the page. But, it doesn’t affect our assessments. Our views are our own. Here’s a list of and . Table of Contents Show More Table of Contents Key takeaways about money orders A Money order can be a safe option to use instead of cash, or personal checks; it works like the check and you can either cash it or deposit it into an account at a bank. When using personal checks or cash can put your security at risk or aren’t accepted for payment, use a money order instead. It is possible to use cash or debit cards to purchase money order at post offices, Walmart, Western Union and many other locations. How do money order transactions work? A money order is a small piece of paper, which is a safe alternative to cash or personal checks. You choose who receives the money order, and both you and the person who will receive it must sign the order in order to make it valid which reduces theft. It is also possible to prepay money orders when you buy it. They are available in U.S. post offices, Walmart, Western Union and other locations. There are many that have a limit of $1,000 and include those that you buy at banks. Generally, you must pay for money orders with cash or a debit card. Nerdy Tip A money order is a great alternative to send money if you don’t have a bank account or you don’t wish to share your banking details for the beneficiary. Money orders: Pros and cons There are advantages and disadvantages to making use of a money order. Consider these advantages and disadvantages before you decide to use one. Benefits: There is no bank account required to send or receive a money order. Money orders are widely available. Cons If a money-order is accepted (or lost) and then lost, it could be difficult if not impossible to retrieve your money regardless of whether it was caused by fraud or a scam. Cash advance charges may apply and interest if bought with a credit card. (Read more about .) How can I buy money orders? Consider how and to whom you’ll pay with cash or a credit card, your name, the payee and the amount you want to send. Credit card payments may be possible, however it will usually cost extra. Complete the form with the following information: Alongside the payee’s name, you’ll need to add your name (and possibly an address) and also sign the purchase. (For steps-by-step instructions, check out NerdWallet’s guide on .) Make sure that all information is correct since you’ll be unable to edit the data afterward. Keep the receipt in your wallet: The receipt will be an exact copy of the money order or a paper slip recording the information you entered in the order. You may need it to trace the money order or to contact the location where you received it. Track your money order: The receipt should also include an tracking number which you can use to confirm that the money transfer was made to the person you wanted it to. If you encounter any issues you should contact the location where you purchased the money order for help. Return to top Where can I get a money order? How much does an order for money cost? You can purchase money orders at a post office, Walmart, Western Union and many other locations. Domestic money orders have an array of prices that range from less than a dollar all the way to about $5 depending on the location you purchase them. It’s cheaper at Walmart or the convenience store or supermarket however, you’ll usually pay more at a bank. Not all providers offer international money orders; some Post offices offer them, but they cost more than domestic money orders. No matter where you purchase them, it’s best to buy money orders in the store in person. The seller Cost Walmart Up to $1. Money transfer agents (convenience stores supermarkets, convenience stores, etc.) Depends on the provider. For example, some San Francisco-based Western Union providers charge $1. U.S. Postal Service up To $500 $1.65. $501-$1000: $2.20. Money orders for military $55 cents. International (up of $700): $49.65. Banks and credit unions Depends of the bank. Often around $5. Are you looking for other ways to transfer funds ? We have a list of . What does a money order cost at some of the largest U.S. banks? Below is a table that outlines the money order cost and available at a few popular banks. It is important to note that many banks only sell money orders to accountholders. Click here to find out the cost of a money order and availability at a few popular banks. Bank Money Order Information There is no offer. , Member FDIC Not offered. The offer is not offered. Up to $1,000 for $5 and free to premium account holders. You must purchase the account at the branch. $5; free for premium checking customers. $5 For premium checking customers. $5 For premium customers who use their checking accounts. $5; free for military members in the army. $5 for up to $1,000. It must be bought at an office. Return to top Why do I need to use a money order? There are times that using personal or cash checks could be risky, or they aren’t accepted for payment. Here are four instances of why cash orders can be the most secure option for payment: You have to make sure that you send money safely. Contrary to checks, money orders do not include your bank account number, and help to ensure that only the person who is receiving it can use it, unlike the process of sending cash. You’re worried about bounced checks. Since the money orders have been pre-paid, they can’t be rejected for insufficient funds. Another option: A certified check or a cashier’s check, both of which guarantee payment and don’t necessarily have the limit of $1,000 like the majority of money orders. ( as well .) If you’re sending money overseas. Not all money orders work overseas, but U.S. Postal Service money orders can be sent to about 25 countries. Another option: A wire transfer (see ) If you require the funds quicker and you are willing to be able to pay more. Or check out our . You don’t have an account with a bank. Since money orders require you to pay in advance, you don’t need a bank account and you can pay your bills in a safe manner. Nerdy Tip If you do not have a checking account, another option for paying for your regular purchases and bills is to make use of an . Return to the top Savings Cash Management CD Checking Money Market A savings account is the perfect place to save money in a safe manner with interest. Savings accounts are an account where you can keep your money safe and earn interest. FDIC SoFi Savings and Checking APY 3.75% FDIC SoFi Savings and Checking APR 3.75% SoFi members who make direct deposit can earn up to 3.75% annual percentage return (APY) for savings accounts (including vaults) and 2.50 percent APY on their checking balances. No minimum amount of direct deposit required to qualify for the 3.75 percent APY for savings and 2.50% APY for checking balances. Customers who do not deposit direct deposits will earn 1.20% APR on all balances of savings and checking (including vaults). Interest rates are variable and subject to change at any time. These rates are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Min. balance for APY Member $0 FDIC Marcus Goldman Sachs Online Savings Account with APY 3.50% 3.50% APR (annual per cent yield) with a balance of zero to earn the APY stated. Accounts must have a positive balance to remain open. APY valid as of 02/07/2023. Min. balance for APY Cash accounts are $0 and provide a range of services and features similar to checking, savings or investment accounts in one product. These accounts for managing cash are generally provided by non-bank financial institutions. These accounts offer features and services similar to savings, checking or investment accounts into one account. These accounts for managing cash are typically offered by non-bank financial establishments. on the Wealthfront website. Wealthfront Cash account APY 4.05% min. amount for APY $1 on Betterment’s site Betterment Cash Reserve – Paid non-client promotions APY 4.00 Percent Annual percentage rate (variable) is at 02/06/2023. Min. balance for APY CDs of $0 (certificates of deposit) are a type of savings account with an unchanging rate and term, and usually have higher interest rates than standard savings accounts. CDs (certificates of deposit) are a kind of savings account that comes with fixed rates and terms, and usually have higher interest rates than standard savings accounts. CIT Bank CD APY 4.60% 1.5 years Term 1.5 years Member FDIC Marcus by Goldman Sachs High-Yield CD APY 4.40 percent 4.40% APY (annual percentage yield) at 01/25/2023. 1 year 1 year Member FDIC SoFi Savings and Checking APY 2.50% SoFi members with direct deposit are eligible to earn up to 3.75% per year in annual percentage yield (APY) for savings accounts (including Vaults) and 2.50 percent APY on checking balances. No minimum direct deposit amount required to qualify for the 3.75 percent APY for savings, and 2.50 percent APY on checking balances. Members without direct deposit are eligible to receive 1.20 percent APY on all account balances in checking and savings (including vaults). Rates of interest are subject to change and could change at any point. The rates listed are current at 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Monthly fee $0 Upgrade Rewards Checking APY N/A Monthly fee $0 Deposits are FDIC Insured Current Account APY N/A Monthly fee $0 Deposits are FDIC Insured Chime Checking Account APY N/A Monthly fee $0 Member FDIC Axos Bank(r) Rewards Checking APY 1.25% Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY. Make use of your Axos Visa(r) debit card for a total of 10 transactions each month (min three dollars per purchase) or join Account Aggregation/Personal Financial Manager (PFM) through Online Banking to earn 0.30% APY. Keep an average daily balance of $2,500 per month within an Axos Managed Portfolios Invest Account in order to receive 0.20 percent APY. Keep an average daily amount of $2,500 within the Axos self-directed trading Invest Account for 0.20 percent APY. Use the Rewards checking account to make your entire monthly Axos consumer loan payment and earn 0.15% annual percentage yield. Monthly fee: $0. Money market accounts pay rates similar to savings accounts, and come with certain checking features. Market accounts earn rates that are similar to savings accounts and include some checking features. Members FDIC UFB’s Best Money Market APR 4.21 Percentage Min. balance for APY zero member FDIC Discover Bank Money Market Account APY 3.20% Min. Balance for APY $1 Tracking money order It’s pretty easy to figure out where a money order is so long as you’ve kept your receipt. The process is different by issuer. The U.S. Postal Service and MoneyGram allow users to track their online transactions using details like the serial number found on your receipt and the purchase amount. Your bank should be able to give you the exact information. If you don’t have the receipt, you’ll probably be required to file a request to locate the serial number on your money order as well as that’s costly and time-consuming. For MoneyGram for instance it’s $40 and could take up to 60 days to process. Make sure you track the money order through the company that actually provides it which could be Western Union or MoneyGram even if you purchased it at the convenience store. The money order should clearly state who the provider is. Return to top About the author: Margarette Burnette, a savings account expert at NerdWallet. Her work has been highlighted in USA Today and The Associated Press. In a similar vein… Find a better savings account See NerdWallet’s top picks for high-yield savings accounts online. Explore Banking further Get more smart money moves – straight to your inbox. Sign up and we’ll email you Nerdy content about money-related topics which matter to you the most and other strategies to get more from your money.

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