In the United States, you can cash a USPS money order for free at any Post Office. Western Union and MoneyGram orders may be cashed at participating locations or deposited into a bank account, but fees, ID rules and acceptance vary. Before you go, confirm that the location handles your issuer’s money orders. For a USPS order, leave it unsigned until you are at the counter.
Where you can cash or deposit a money order
| Issuer or option | What you can do | What to verify |
|---|---|---|
| USPS | Cash a USPS money order for free at any Post Office. USPS also says banks and some stores may cash postal money orders. | Confirm a bank or store accepts it, and bring primary photo ID. USPS cashes domestic postal money orders for the exact amount. USPS money order guidance |
| Western Union | Cash at a bank or other retailer, or deposit into a bank account. | Confirm that the chosen agent or institution provides the service and whether it charges a fee. A location that sells Western Union money orders may not cash them. Western Union money order guidance |
| MoneyGram | Deposit into a bank or credit union account, or cash at many check-cashing locations. | Each location sets its own policy and may charge a fee; most check-cashing locations require ID. MoneyGram money order FAQ |
| Your bank or credit union | Deposit the money order into an account if the institution accepts it. | Acceptance and available methods depend on the institution. Do not assume a particular account, mobile app or ATM will accept it; check before endorsing or depositing. |
The issuer guidance describes general options, not a guarantee that every bank, store or agent will accept every money order. Call the specific location and ask whether it cashes or deposits an order from your issuer, what identification it requires, and whether there is a fee.
What to bring and how to endorse it
For a USPS money order
- Bring the unsigned money order and primary photo ID to a Post Office.
- Wait to endorse it. USPS’s instruction is: “Do not sign the money order.”
- Sign at the counter in front of the retail associate.
Signing in advance can interfere with the verification process. Follow the instructions of the institution or cashing location if you are not using a Post Office.
For Western Union or MoneyGram
Check the issuer and location’s instructions before signing or handing over the order. MoneyGram says most check-cashing locations require ID and advises against signing an order over to a third party; whether a third-party order is accepted is up to the institution or location. MoneyGram’s guidance on money orders
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Cash it or deposit it?
Cashing gives you the money directly, while depositing places it in an eligible bank or credit union account. The issuer guidance supports bank-account deposits for Western Union and MoneyGram orders, but it does not establish that every bank accepts them or that mobile deposit or ATM deposit is available. Ask your institution about its method, timing and endorsement requirements before you sign.
Fees, expiration and lost money orders
Fees
USPS cashes postal money orders for free at Post Offices. A bank, retailer or check-cashing business may charge a fee, so verify the cost with that provider before you travel. Western Union and MoneyGram also note that charges can depend on the location or applicable terms.
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Expiration and service charges
USPS says domestic postal money orders never expire and do not accrue interest. Western Union says its money orders do not expire, but depending on the state where the order was purchased, a nonrefundable service charge may be deducted if it is not used or cashed within one to three years. Check the issuer’s current terms for your order. USPS terms · Western Union terms
Lost, stolen or damaged orders
Keep the receipt. USPS says it can help track a postal money order and show proof of value if the order is lost, stolen or damaged. USPS provides a replacement process and lists its current processing fee on its money order page. For a Western Union or MoneyGram order, contact that issuer and follow its current procedure.
Quick Recap
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- Functional Design: Our 4-1/2” x 10-3/8” cashier's money envelopes for cash are crafted from strong 24 lb. paper - making them exceptionally durable and easy to write on. Plus, filling and emptying contents is a breeze due to the compact design.
- A Secure Seal: Keep your items secure with our money envelopes that feature firm adhesive flaps and form tight seals when moistened to protect its content. Designed for cash, coins, and receipts our open-end envelope pack provides effective containment.
- Multi-Purpose Business Envelopes: This cashier envelope is ideal for retailers, restaurants, hotels, service stations, banks, casinos, offices, and other businesses. Our cash envelope is designed to fit smaller safes and can hold checks, coins, receipts, cash, reports, and much more!
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