In the United States, obtaining a money order is a straightforward and secure method for transferring funds. Whether you need to make a payment, send money to a loved one, or ensure a reliable payment, there are various places across the country where you can easily purchase money orders. These locations, from banks and credit unions to convenience stores and post offices, offer a convenient way to convert cash into a guaranteed payment method.
In this guide, we will explore the diverse options available for obtaining money orders in the USA, providing a comprehensive overview of the services and locations at your disposal.
Money orders in the USA are widely recognized financial instruments for making secure payments and transferring funds. They are typically issued by financial institutions such as banks, credit unions, post offices, and certain retail locations. Money orders function as prepaid payment methods, offering recipients a guaranteed payment form. They are often preferred when personal checks might not be accepted or when sending money to individuals who don’t have bank accounts.
Money orders come with a unique tracking number, allowing both senders and recipients to trace payments, adding an extra layer of security to transactions. While a nominal fee is usually associated with purchasing a money order, their convenience and reliability make them a popular choice for various financial transactions in the United States.
Money Orders Near Me
In the United States, multiple options are available to Send and Receive orders near your Current location. Here are the best pleases suggested based on expert suggestions.
Walmart stores in the US offer money orders. Visit any Walmart Supercenter or Neighborhood Market to get one. Fees vary by location, but the maximum fee is $0.88. For details, go to the Customer Service Desk or Money Services Center. Find a Walmart store near you on their website.
US Postal Service (USPS)
The US Postal Service offers convenient money orders. You can buy or cash them at any post office location. International money orders up to $700 ($500 for El Salvador and Guyana) can also be purchased. Domestic money orders up to $1,000 are available with fees of $1.25 for $0.01 to $500.00 and $1.75 for $500.01 to $1,000.00. Find a US Post Office near you on their website at https://www.usps.com/shop/money-orders.htm.
- USPS Money Order Fees are based on the dollar amount.
7-Eleven offers money orders up to $1,000 with fees starting at $0.65 or 1-3% of the total amount. Find one of their 8,000+ locations nationwide or in 17 countries. Prices vary by location and they use Western Union or MoneyGram. The maximum limit is $500, and they cannot be cashed at 7-Eleven.
Banks and Credit Unions
Not all banks offer money orders, but some do. Typically, banks charge around $5 for a money order, making it one of the most expensive options. Banks such as Chase, Santander, TD, and Wells Fargo offer money orders, but it’s best to call ahead. You may need an account with the bank to use this service.
CVS Pharmacy offers money order services in over 9,600 locations across the US. They charge only 99 cents per MoneyGram money order, with a maximum limit of $500 per order.
Walgreens has over 9,000 retail locations across America where you can conveniently purchase a money order. With a 170-year history of community service, they serve around 9 million customers daily.
Publix, a popular grocery store chain with over 1,100 stores in the Southeastern US, provides money order services through Western Union. The cost of a money order is 85 cents, and the maximum limit is unspecified. However, it’s important to note that money orders cannot be cashed at any Publix location, including GreenWise stores.
This Meijer supermarket chain has around 230 locations in the US and offers money order services. Meijer uses Western Union to sell money orders for 65 cents each, with a $500 limit. Money orders cannot be cashed at their stores.
Kmart still operates in 600+ US locations and offers money order services via Western Union. They charge a fee of 69 cents per order and have a maximum limit of $500 per order. Note that money orders cannot be cashed at any Kmart location, and not all stores offer money orders.
Kroger is a chain of 2,700+ stores in the USA with various brand names such as Smith’s & Fred Meyer, King Soopers, Fry’s, and Dillion’s. They use Western Union to sell money orders for around 70 cents, with a maximum limit of $500 or $1,000 per order depending on the location. For more info, visit any Kroger location near you.
Albertsons and Tom Thumb, which are owned by the same company, offer convenient the services at my local store.
Your Local Bank
You can cash or buy a money order at your local bank if you have an account. Otherwise, fees can be high. Different banks have varying policies, rules, and fees. To learn more, find your nearest bank and inquire.
Your Local Check Cashing Company
There are many independent check cashing companies in the US that sell money orders, but their fees can be high. It’s better to buy from retail companies. Search “where to buy money order near me”.
Your Local Credit Union
If you need to get a money order, a credit union is one option to consider. However, it’s important to ask if there’s a service charge fee. Compared to grocery stores, banks and credit unions have an advantage in that it’s easier to track your money order.
How to Send Domestic Money Orders
Sending domestic money orders is a straightforward and secure way to transfer funds within the United States. Whether you need to make a payment, send money to a family member, or conduct a financial transaction, domestic money orders provide a reliable means. Follow the mentioned steps below to send a domestic money order;
- Select an Issuer: Choose a reputable institution that issues money orders. Common options include banks, credit unions, post offices, and some retail stores like grocery and convenience stores.
- Visit the Issuer: Go to the chosen institution during their operating hours. Be prepared to provide the following information:
- Recipient’s Name: The name of the person or business to whom you are sending the money order.
- Amount: Specify the amount of money you want to send.
- Your Information: In most cases, you must provide your name and contact information. This helps in case there are any issues with the money order.
- Pay for the Money Order: Pay using cash, a debit card, or a method accepted by the issuer. Some institutions may also charge a fee for the money order, so be prepared for this additional cost.
- Receive the Money Order: After completing the necessary paperwork and payment, the issuer will give you the money order. It typically looks like a paper check with specific details filled out.
- Fill Out the Money Order: Before you leave the institution, fill out the money order as follows:
- Write the recipient’s name clearly in the “Pay to the Order of” or “Payee” field.
- Sign your name in the “Purchaser’s Signature” or “From” field.
- Note your contact information, especially if required by the issuer.
- Keep the Receipt: It’s essential to keep the Receipt you receive from the issuer. This Receipt serves as proof of your purchase and can be used to track the money order if it’s lost or stolen.
- Send or Deliver the Money Order: Send or mail the money order to the intended recipient. If you’re mailing it, use a secure and trackable mailing method.
- Recipient Cash or Deposits the Money Order: The recipient can then cash the money order at their bank, credit union, or the issuer. They may also choose to deposit it into their bank account.
How to Fill Out a Money Order
Filling out a money order is a straightforward process, yet it’s essential to do it correctly to ensure your financial transaction goes smoothly. Money orders are secure payment instruments, often used when personal checks or cash are unsuitable.
Whether sending money to someone, paying bills, or purchasing, mastering the art of filling out a money order can save you time and provide peace of mind. Follow the guided steps below to fill out a money order correctly;
- Purchase the Money Order:
- Visit a reputable institution that issues money orders, such as a bank, credit union, post office, or retail store.
- Please pay for the money order, which typically includes the amount you want to send and a fee for the money order itself.
- Verify the Money Order’s Details:
- Ensure the money order is blank and has not filled in the recipient’s name.
- Write the Recipient’s Name:
- In the “Pay to the Order of” or “Payee” field on the money order, write the name of the person or business you are sending the money to. Make sure to write it as clearly and accurately as possible.
- Fill in Your Information:
- In the “From” or “Purchaser” field, write your name, address, and phone number if required. This helps identify you as the sender.
- Sign the Money Order:
- Sign your name in the “Purchaser’s Signature” or “Sender’s Signature” field. Your signature is essential to authorize.
- Detach the Receipt (if applicable):
- Some money orders have a detachable receipt or stub. If yours does, remove it along the perforated line. This Receipt serves as proof of purchase and can be used to track the money order if needed.
- Keep the Receipt and Record Information:
- Keeping the Receipt or stub as a record of your money order purchase is crucial. This is especially important if the money order needs to be recovered or you must track its status.
- Deliver or Mail the Money Order:
- Hand the completed money order to the intended recipient or mail it using a secure and trackable method if necessary. Be sure to keep a record of the delivery if mailing.
Best Places to Get a Money Order Near Me
The availability of places to get a money order can vary by location, but here are some common options you can explore to find the best place to get a money order near you:
- Banks and Credit Unions: Most banks and credit unions offer the services to their customers. You can visit your bank or any branch nearby to purchase a money order. Be sure to inquire about any fees associated with this service.
- Post Offices: The United States Postal Service (USPS) provides the services at post office locations nationwide. USPS money orders are widely accepted and a secure payment method.
- Retail Stores: Many retail chains, such as Walmart, 7-Eleven, CVS, Walgreens, and grocery stores, offer the services. These stores are often open late and on weekends, providing convenient options for obtaining money orders.
- Check-Cashing Stores: Like MoneyGram and Western Union, check-cashing stores also typically offer the services. These establishments specialize in financial services and are often open for extended hours.
- Convenience Stores: Some smaller convenience stores may offer money orders, so it’s worth checking with stores in your area.
- Grocery Stores: Many grocery store chains, such as Kroger, Safeway, and Publix, have the services available at their customer service counters.
- Pharmacies: Besides Walgreens and CVS, some local and independent pharmacies may offer the services.
- Credit Unions: If you are a credit union member, check with your credit union branch for the services.
- Retail Banking Services: Some retailers, like Walmart, have their banking services where you can obtain money orders.
- Online Options: Some online banks and financial institutions offer the ability to purchase money orders electronically, which you can print and use as needed.
What is a money order?
A money order is a prepaid, paper-based payment instrument typically issued by banks, post offices, and other financial institutions. It is a secure way to make payments or send funds.
How does a money order work?
When you purchase a money order, specify the recipient’s name and the amount. It becomes a guaranteed form of payment, similar to a check, which the recipient can cash or deposit.
Where can I buy a money order?
Money orders can be purchased at banks, credit unions, post offices, retail stores, check-cashing outlets, and other financial service providers.