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What is a money order? How does a money order work and where you can purchase one Advertiser disclosure We make you our top priority. Every every single time. We believe everyone should be able to make sound financial decisions without hesitation. While our website does not include every company or financial product available in the marketplace, we’re proud that the advice we provide and the information we offer as well as the tools we design are independent, objective simple, and cost-free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on the site) However, it in no way affects our recommendations or advice that are based on hundreds of hours of research. Our partners are not able to pay us to guarantee favorable review of their services or products. . What is a money order? How does a money Order operates and where to Buy One Money Order is a guaranteed payment which you can buy from places such as Walmart or the post office and your bank. Written by Margarette Burnette Senior Writer Savings accounts, money market accounts, banking Margarette Burnette is a savings expert who has written about bank accounts from before when she was writing about the Great Recession. Her writing has been featured in major newspapers. Prior to being a member of NerdWallet, Margarette was a freelance journalist with bylines in magazines such as Good Housekeeping, and Parenting. She is based close to Atlanta, Georgia. Nov 23, 2022 Edited By Yuliya Goldshteyn Assistant Assigning editor Yuliya Goldshteyn is a banking editor at NerdWallet. She previously worked as an editor, writer and research analyst in a variety of industries, from health care as well as market research. She graduated with a bachelor’s degree in history at University of California, Berkeley. University of California, Berkeley as well as a master’s degree in social sciences from the University of Chicago. She can be reached at

. The book was 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 by The New York Times, The Wall Street Journal, “PBS NewsHour,” Money magazine, Today Money, Forbes and CNBC. Kathleen worked 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 for Champlain College. At NerdWallet our content is put through a rigorous . We are so confident about the accuracy and quality of our content that we have outside experts examine our work. Many or all of the products featured here are from our partners, who pay us. This influences which products we write about and where and how the product is featured on a page. However, it does not affect our opinions. Our opinions are entirely our own. Here is a list of and . Table of Contents. Show More Table of Contents The most important takeaways about money orders A cash advance is an secure option to use instead of cash, or personal checks and functions as the check and you can cash it or deposit it into the bank account. If using personal checks or cash puts the risk of being harmed or aren’t accepted as payment, you could choose to use a money-order instead. Cash or the debit card to purchase money order at post offices, Walmart, Western Union and many other locations. How do money orders work? Money orders are a piece of paper that is a secure alternative to cash or personal checks. You choose who receives the money order, and both you and the person must sign it in order for it to be legal, which cuts down on theft. It is also possible to prepay the money order before you purchase it. You can purchase them from U.S. post offices, Walmart, Western Union and other places. There are many that have a limit of $1,000 and include those that are purchased at banks. Generallyspeaking, you need to pay for money orders with cash or debit card. Nerdy Tip A money order is an excellent option for sending money if you don’t have a bank account or do not want to share your banking details for the beneficiary. Money orders: Pros and Cons There’s advantages and disadvantages to using a money transfer. Be aware of these pros and cons before you decide to use one. Benefits: There is no bank account needed to send or receive a cash order. Money orders are readily available. Cons: Once a money order is accepted (or lost) or lost, it is difficult, if it is not impossible to recover your money even if it’s because of a scam or fraud. Cash advance charges may apply and interest if bought with a credit card. (Read about .) How can I buy a money order? Be aware of how and with whom you’ll pay: Prepare using cash or a debit card and your name, the person who will be paying and the amount you wish to transfer. Credit card payments might be possible, but typically, it will cost more. Fill it out with the following information: Alongside the name of the recipient it is necessary to add your name (and possibly your address) and then sign the payment. (For detailed instructions on how to do this follow NerdWallet’s tutorial on .) Be sure to verify the accuracy of your information since you’ll be unable to edit the data afterward. Keep the receipt: The receipt is an exact carbon duplicate of the money-order or a slip of paper that records the information entered in the order. It could be necessary to track the money order or to contact the place where you got it. Track your money order: The receipt should also include an identification number you can utilize to confirm that the money order got 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. Back to top Where can I find a money order? What is the cost of a money order cost? You can get money orders at a post office, Walmart, Western Union and many other locations. Domestic money orders come in an array of prices starting at less than $1 all the way to about $5 dependent on the place you purchase them. It’s cheaper at Walmart or a convenience store or supermarket however, you’ll usually be charged more at banks. Not all providers provide international money orders, but certain post offices do, however they’re more expensive than money orders for domestic customers. And no matter where you purchase them, it’s better to purchase money orders in person. The seller Cost Walmart Up to $1. Money transfer agents (convenience stores, supermarkets, etc.) Depends on the supplier. For instance, certain San Francisco-area Western Union providers charge $1. U.S. Postal Service Up To $500 $1.65. $501-$1000: $2.20. Military money orders: 55 cents. international (up up to $750): $49.65. Credit unions and banks rely of the bank. Often around $5. >> Looking for more options to send money ? Here are our . What will a money-order cost at the largest U.S. banks? This table with the money order cost and the availability of some well-known banks. It is important to note that many banks only sell money orders to accountholders. + Click here for information on the price of money orders and availability at some popular banks. Bank Money Order Details Not available. The bank is a member of FDIC Not available. Not offered. Five dollars for up to $1,000 and free on premium accounts. Must be purchased in the branch. $5; no cost for premium customers of checking. $5 For premium customers with a checking account. $5 Free for premium customers with a checking account. $5; free for military members who are military personnel. $5 up to $1,000. The money order must be made at the branch. Back to top When do I need to use a money order? There are occasions that using personal or cash checks could expose you to risk or aren’t acceptable for payment. Here are four instances when you should consider using money order as the most secure option for payment: You have to send money securely. Unlike checks, money orders don’t contain your bank account number, and help to ensure that only the recipient is able to make use of it, as opposed to sending cash. You’re worried about the possibility of bouncing a check. Since they can be prepaid and are therefore able to pay, they won’t be rejected for insufficient funds. Another option: A certified check or a cashier’s check both of which ensure payment but don’t need to have a $1,000 limit, unlike many money orders. ( as well .) If you’re sending money overseas. Not all money orders work internationally, however U.S. Postal Service money orders can be sent to up to 25 countries. Another option: a wire transfer (see ), if you need the money there faster and are willing to be able to pay more. Or check out our . There is no need for a checking account. Because the money orders you need for payment in advance, this means you don’t require a bank account and you can pay your bills in a safe manner. Nerdy Tip If you don’t have a bank account, an alternative for paying for regular purchases and bills is to use the . Return to the top Savings Cash Management CD Checking Money Market A savings account is a place where you can save money in a safe manner with interest. Savings accounts are a place where you can keep your money safe while earning interest. Member FDIC SoFi Checking and Savings with APY of 3.75% SoFi members who have direct deposit are eligible to receive up 3.75 per cent per year in annual percentage return (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.75 percent APY on savings, and 2.50 percent APY on checking balances. Direct deposit members will receive 1.20 percent interest on balances of savings and checking (including vaults). The rates of interest are variable and can change at any point. The rates listed 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 percent 3.50% APR (annual percent yield) with a minimum balance of $0 to earn stated APY. Accounts must be in positive balance in order to be open. APY current 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. Cash management accounts are usually offered by non-bank financial institutions. These accounts offer features and services similar to checking, savings and/or investment accounts in one package. The cash management account is generally offered by non-bank financial establishments. On the website of Wealthfront, you can find Wealthfront Cash Accounts APY 4.05 percent min. amount of APY $1 on the Betterment website. Betterment Cash Reserve – Paid non-client promotions APY 4.00 percent annually percent return (variable) is at 02/06/2023. Min. balance for APY CDs of $0 (certificates of deposits) are a kind of savings account that has 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 has an unchanging rate and term which usually come with higher rates of interest than regular savings accounts. CIT Bank CD APY 4.60% 1.5 years Term 1.5 year Member FDIC Marcus by Goldman Sachs High-Yield CD APY 4.40% 4.40% annual percentage yield (annual percent yield) at 01/25/2023. 1 year 1 year Member FDIC SoFi Savings and Checking APY 2.50% SoFi members who have direct deposit can get up to 3.75 per cent annual percentage yield (APY) in savings account balances (including Vaults) and 2.50% APY on checking balances. There is no minimum amount of direct deposit that is required to earn the 3.75 percent APY on savings accounts and 2.50 percent APY on checking balances. Members without direct deposit are eligible to get 1.20% APR on all balances of savings and checking (including vaults). The rates of interest are subject to fluctuation and are 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. Use your Axos Visa(r) Debit Card for a total of 10 transactions per month (min 3 cents per transaction) or join Account Aggregation/Personal Financial Manager (PFM) in Online Banking to earn 0.30% annual percentage. Maintain an average daily amount of $2,500 on An Axos managed Portfolios Investment Account in order to receive 0.20 percent APY. Maintain an average daily amount of $2,500 within the Axos self-directed trading Invest Account in order to receive 0.20% APR. Use Your Rewards Checking Account for your full each month Axos customer loan payment to earn 0.15 percent APR. Monthly fee of $0. Money market accounts pay rates similar to savings accounts and have some checking features. Market accounts pay rates comparable to savings accounts and include certain checking features. FDIC UFB Best Money Market Member FDIC UFB’s best Money Market Rate APY 4.21 Percentage Min. balance for APY $0 member FDIC Discover Bank Money Market Account APY 3.20 Percentage Min. balance for APY $1 Money order tracking It’s fairly easy to figure the location of a money order is — provided you’ve saved the receipt. The process is different according to the issuer. The U.S. Postal Service and MoneyGram allow you to track online with details like the serial number that appears on your receipt and the amount of your purchase. The bank you use should be able to provide you with the same information. If you don’t have the receipt, you’ll probably need to submit a research request to locate the serial number of your money order, and that’s expensive and long-winded. For MoneyGram for instance it’s $40 and could take up to 60 days to process. Just be sure to track the money order to the provider that you actually use — it might include Western Union or MoneyGram even if you purchased it at an convenience store. The money order should clearly show or state the name of the service provider. Then, back to the top about The author Margarette Burnette, a expert in the field of savings accounts at NerdWallet. She has had her work highlighted on USA Today and The Associated Press. In a similar vein… Get the best savings account. See NerdWallet’s picks for the best high-yielding savings accounts online. Go deeper into Banking Find more money-saving strategies – straight to your inbox. Sign-up and we’ll send you Nerdy articles on the topics in finance that are important to you as well as other methods to help you make more value from your savings.

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