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Personal checks sometimes take a day or two to clear, so not everyone will accept them for fear that the check might bounce. In these cases, you’ll need a money order or cashier’s check. Generally, money orders are for amounts under $1,000, and a cashier’s check is recommended for anything over that.
How To Find Out If A Postal Money Order Has Been Cashed
A money order is a paper document that contains monetary value. Money orders work like personal checks, but they are not linked to your bank account. They are written to a payee and are prepaid so the payee has a guarantee that the necessary funds are available. Money orders often have a monetary cap, such as $500 or $1,000.
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Many retailers offer money orders, but most of them have one of two companies that power the transaction – Western Union or MoneyGram. Both companies also have their own retail locations, so you can go directly to them if you prefer.
You may pay a fee, usually about $5, but you should be able to visit a local bank or credit union branch to request a money order. You don’t need to have an account at a bank or credit union to do this.
Both Western Union and MoneyGram are financial services providers. Both have retail locations and can provide you with money orders as well as other ways to transfer money. You can find a location near you using the locator on the Western Union and MoneyGram websites.
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Head to any post office with your cash, debit card or traveller’s cheque. You will not be able to pay for a Money Order by charging it to a credit card. You will pay a processing fee of $1.65 for amounts from 1 cent to $500 and $2.20 for amounts from $500.01 to $1,000.
You can also get money orders at many of the retail locations you frequent, such as any of the options below.
CVS owns and operates thousands of drugstores across the US. A single payment is accepted for money orders at CVS, and you must have a valid ID.
Safeway is a grocer that operates under the Albertsons banner of companies. If there is a Safeway location near you, call to confirm fees and limits before going to the store as they may vary by location.
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With nearly 3,000 supermarkets spread across the U.S., Kroger is accessible to many — but not every location will issue money orders. For Kroger stores that do, fees and limits vary by location. You can also order cash money at participating Kroger locations, but fees will apply.
A local option in some states — Illinois, Indiana, Kentucky, Michigan, Ohio and Wisconsin — will provide major money orders, but not cash. You can pay for money orders by debit card without any additional fees.
Publix operates approximately 1,300 locations in seven states: Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee and Virginia. Publix sells money orders at all of its stores except its GreenWise Market locations, but will not accept cash.
Walmart has locations across the U.S. You can pay for money orders at Walmart with cash or debit. There is a maximum fee of $1, with no additional fees for paying by debit card. You can also cash MoneyGram money orders if they are purchased at Walmart.
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Even though your money order will have a payee—making it difficult for someone else to cash it—you still need to be aware that carrying a money order around is like carrying cash. Is. Keep your money as safe as possible by following these guidelines:
Precautions Be aware of your surroundings when you request a money order. If you feel uncomfortable, ask for help walking to your car. Fill out the money order in its entirety before leaving the store — write clearly, preferably in black gel ink. Do not leave any spaces blank. Keep your receipt. It contains a tracking number that you’ll want to find if the money order is going to travel by mail to the recipient. If you’re mailing a money order, use a discreet envelope and alert your recipient once it’s in the mail and try to prevent anyone from intercepting it. Consider sending it by certified mail. Know before you go.
There are many places you can exchange for a money order, but limits and fees vary by retailer and geographic location. Do your research in advance and know where you can go for a money order that meets your needs.
Finally, remember that just because you can get a money order doesn’t mean you’ll be able to cash it at that point. Make sure you have a plan for both sides of the transaction if needed.
How To Fill Out A Money Order: 8 Steps (with Pictures)
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Kelly Francis is a writer and content strategist. She began her career with a journalism degree from the University of Oregon and went on to work in some of the industry’s busiest newsrooms, from The Seattle Times to MSN.com, WebMD and Yahoo. In nearly a decade at Yahoo, he worked as an assistant managing editor at Yahoo Finance, specializing in personal finance content. a producer for Yahoo News; and a managing editor on Yahoo’s homepage team. A perennial seeker, Kelly is currently expanding her knowledge of all things finance as a student at the American College of Financial Services. She is also the very proud mother of a wonderful and unstoppable 7-year-old girl with Autism Spectrum Disorder. A money order is a certificate, usually issued by a government or banking institution, that allows a specified payee to receive cash on demand. A money order works like a check, in that the person who bought the money order can stop payment.
Money orders are easily accepted and converted to cash and are often used by people who don’t have access to a standard checking account. These devices are an acceptable form of payment for small loans, both personal and business, and can be purchased from most institutions for a small service fee.
A person who purchases a money order must fill in a form with the name of the payee and the amount to be received by the payee. Most money orders have a maximum limit of $1,000. Therefore, if the buyer needs more than the specified limit, he will need to purchase multiple orders. Be sure to fill out the money order carefully; This is a one-time purchase and you need to keep a good record of it.
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The financial institution or authorized institution that issues the money order to the payee will have the name of the payee, the name of the issuer, and the amount of money that can be cashed. This dollar value does not include fees charged to the recipient. Consider all prices when shopping for money orders. A bank or credit union will usually charge more than a convenience store to issue a money order.
A money order is not a check, and it is difficult to trace; Keep your receipt until you are sure the order has been received and cashed.
When a buyer pays for a money order, it comes with a receipt that contains the money order’s serial number. This information should always be kept until the buyer is sure that the money order has cleared. Without a receipt, it may be difficult or impossible to trace a money order.
In some situations, paying by money order may be safer than paying by personal check. Because personal checks include the account holder’s routing number and bank account number printed on the bottom, this private information can be stolen and used to create and sign forged checks. In contrast, money orders do not contain personal information about the buyer.
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On the downside, money orders can be more difficult to track than personal checks. To determine if a personal check has cleared, check writers need only visit their bank or check their online account for information on its status.
To track a money order, the issuer must fill out a tracking form and pay an additional fee to find out if the money order has been cashed. The entire process of researching the status of a money order can take weeks. The USPS offers an online money order inquiry service that allows shoppers to enter a money order number and receive updates.
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