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Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

Old Feb 3, 17, 10:19 am - Wikipost
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Last edit by: ChrisFlyer66
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Banks that allow Money Order deposits via Smartphone

Allow MO deposits via Smartphone:
  • Simple* (March 2014: People now receiving emails asking source and purpose of MO deposits) (Ref)
    15 photo deposit per month and $3000 per deposit (first 5 are limited to $2000). Robust MO reading (Ref)
  • Citibank (500 first 6 months, 1500 thereafter) Citibank does not allow MoneyGram mobile deposits and most ATMs reject the MO.(Ref)
  • SunTrust Only seems to accept WU, posts next day if in before 9pm.
  • Everbank ($50K per day total, no check bigger than $50K) (but see report of shutdown
    Ref)
  • Wells Fargo
    $2500/day $5000/mo ($1000/day $3000/30days for new accounts < 180 days) (Ref)
    user experience: multiple <=$500 (Ref); WU MO (Ref)
  • DCU
    clears immediately (Ref). Very finicky that the MO be filled out completely and the back is endorsed "for deposit only DCU".
  • UFB Direct
    prefers MoneyGram MOs; WU MOs work fine also. (Ref)
  • USAA (Ref)
    No limit known. User experience: $5k/day. Posts instantly. One person reported shutdown after a few months, doing less than 5K mo in MO deposits.(Ref)
  • Penfed. $5K per day limit. WU works fine. A portion of deposit may be held back for a few days. Doesn't seem to take MG (amount entered doesn't match amount detected error message).
  • BB&T. $1,000 per day, $3,000 per month. WU works fine. Doesn't seem to take MG.
  • Charles Schwab, depending on account up to 10k/day (While they allow MOs, their app may not be able to read all MOs. MG only work with dark printouts.)
  • NorthePointe bank. 10 day hold per new accounts <30 days old.
  • Citadel FCU: normally works great with WU, but only do one deposit, small amount first time to test. Increase deposit amount slowly, and do not exceed 2K daily or they may call you and ask what you are doing, or freeze account. Very fraud-conscious at this CU. MO funds avail. within 24 hrs. Apparent $10K/mo limit.
  • Clearview FCU

Do not allow MO deposits via Smartphone:
  • Bank of America
    Not reliable MO reading (Ref)
    Effective 2/23 BofA no longer accepts mobile deposits of MOs or TCs. (Ref)
  • Bank of the West
  • Chase
  • Fiserv-based credit unions
  • Fulton Bank
  • Ally
  • Capital One 360 (won't accept MO via mail in deposit either)
  • Vanguard
  • Fidelity MySmart Cash
  • Navy Federal Credit Union
  • Barclays. The terms state MOs are not allowed. MG worked twice but not again!
  • PNC (Ref)
  • TIAA-Direct (3 checks per business day, $10K per day) No longer viable after calls by Candy in Sep 2014.
  • Eastern Bank. $2500 per day, $7500 per month. Update 3/22/16: Per chat, Eastern no longer accepts MO over Mobile Deposit
  • Discover Checking* (NUMEROUS REPORTS MONEY ORDERS ARE NO LONGER ALLOWED)
    user experience: <2k (Ref)
    ?2 days to post (Ref)
    ?terms do not explicitly state a limit (Ref)
  • LMCU Will shut down MO deposits for high volume.
  • Santander: MG and WU are a no go
  • Radius Bank: Mobile deposits no longer allowed
  • Amalgamated Bank (cannot deposit MOs via mobile app)

Via ATM:
  • Capital One - automatic amount detection (at least for Western Union), posts within 1-3 days
  • Chase
    about four days to clear (Ref) (Ref)
  • BoA
    may be deposited at ATM (Ref)
    (Ref)
  • Citi
    Haven't been able to successfully deposit Western Union but MoneyGram usually works
  • Citizens: ATM will automatically detect amount as long as ink isn't faded; if read incorrectly or not at all you can manually edit amount
  • WF
    type in the amounts manually (Ref)
  • Huntington
  • PNC Bank: ATM will automatically detect amount as long as ink isn't faded; told by teller that ATMs have no problems accepting MO deposits
  • TD Bank
  • USAA
  • US Bank, can deposit MoneyGram, but you have to enter the amount manually.
  • KeyBank: Will accept Western Union money orders. Refuses to accept MoneyGram (from WM) money orders. Recent 2016 reports of problems and risk of shutdown if going over even just a few thousand a month.
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Old Jan 25, 14, 12:35 pm
#1
Thread Starter

Join Date: Mar 2012
Posts: 185
Banks that allow Money Order deposits via Smartphone or ATM(2014-2016)

Which banks allows Money Oreder deposits via smartphone? If known, mention caps/limits


Allow MO deposits via Smartphone:
Simple
Bank of America
Citibank (500 first 6 months, 1500 thereafter)
Discover
DCU
UFB

Do not allow MO deposits via Smartphone:
SunTrust
Chase
Fiserv-based credit unions

Last edited by ChrisFlyer66; Feb 3, 17 at 12:20 pm Reason: added banks
GeorgeMilesArnold is offline
Old Jan 25, 14, 12:38 pm
#2

Join Date: Jan 2014
Location: Northern VA
Posts: 48
Wells Fargo does.

* Edited as i was incorrect previously.

Last edited by wvums; Jan 25, 14 at 1:40 pm
wvums is offline
Old Jan 25, 14, 12:42 pm
#3

Join Date: May 2013
Posts: 54
Discover checking allows mobile MO deposit. I've deposited just under 2k successfully. No stated limit yet.
Dave4086 is offline
Old Jan 25, 14, 12:43 pm
#4

Join Date: Apr 2013
Location: The Empire State
Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.
Posts: 442
I made a Wiki.
cuebert is offline
Old Jan 25, 14, 12:47 pm
#5

Join Date: Feb 2011
Location: Orange County, CA
Programs: Delta PM | US PP | Hilton Gold
Posts: 288
Digital Federal Credit Union (DCU) allows it.

I have done multiple deposits through their mobile app. I was told it was recommended since I am out of state and the funds would clear immediately

This is how I pay my car payment.
john doe iii is offline
Old Jan 25, 14, 1:19 pm
#6

Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 397
Originally Posted by wvums View Post
Wells Fargo does not.
I've deposited them via mobile at WF in the past.. Haven't tried recently though as I use other banks.
stealph is offline
Old Jan 25, 14, 1:20 pm
#7

Join Date: Dec 2013
Posts: 137
On a side note, has anyone tried depositing MO via ATM for chase? Mine got rejected recently.
rampartmovie is offline
Old Jan 25, 14, 1:21 pm
#8

Join Date: Jan 2011
Location: Georgia
Programs: AA, UA, DL, BA, HH, IHG
Posts: 149
I have been depositing MOs via smartphone to my Wells Fargo checking account for the last 2 months. All have been $500 or less.
guera is offline
Old Jan 25, 14, 1:39 pm
#9

Join Date: Jan 2014
Location: Northern VA
Posts: 48
Originally Posted by stealph View Post
I've deposited them via mobile at WF in the past.. Haven't tried recently though as I use other banks.
I stand corrected. I had never tried as the local branch told me they wouldn't work at their atm or on mobile. Saves me a good bit of driving now.
wvums is offline
Old Jan 25, 14, 2:03 pm
#10

Join Date: Oct 2012
Posts: 446
Originally Posted by rampartmovie View Post
On a side note, has anyone tried depositing MO via ATM for chase? Mine got rejected recently.
Yup. It took about four days to clear though.
itchyfeet123 is offline
Old Jan 25, 14, 2:07 pm
#11

Join Date: Dec 2013
Posts: 137
Originally Posted by itchyfeet123 View Post
Yup. It took about four days to clear though.
Oh is it. Weird. Something must have been wrong with my ATM then. It just spit it out telling declined. Had to go in and face the ignominy of the Bank teller while she was depositing it into my account...sigh. I should open a WF account soon.
rampartmovie is offline
Old Jan 25, 14, 2:33 pm
#12

Join Date: Jan 2014
Location: Northern VA
Posts: 48
I put in a call to WF about mobile deposit limits. New checking and savings accounts younger than 180 days old have a daily mobile deposit limit of $1000 and 30 day limit of $3000. After 180 days it increases automatically to $2500 daily and $5000 monthly limit. These are for personal accounts. She said business accounts had much higher limits. She also stated that these are automatic levels and there is no way to request higher limits.
wvums is offline
Old Jan 25, 14, 2:51 pm
#13

Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,869
Excellent thread. I might be convinced to open up a checking with Bank of America now. Plus, I can put my Discover account to some good use.
TheDapperDon is offline
Old Jan 25, 14, 2:52 pm
#14

Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,869
Originally Posted by Dave4086 View Post
Discover checking allows mobile MO deposit. I've deposited just under 2k successfully. No stated limit yet.
How quickly do the funds post?
TheDapperDon is offline
Old Jan 25, 14, 2:53 pm
#15

Join Date: Jan 2008
Posts: 63
Vanguard does not allow MO by mobile deposit.
rogue409 is offline


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