Deposit a Money Order at an ATM - Frugal Reality

Can You Deposit a Money Order at an ATM? 6 Places Near Me

A money order is a form of payment that enables you to purchase goods and services without using a credit card or a bank account. However, if you receive a money order, it’s helpful to know the best way to deposit it into your bank account.

Consumers often use ATMs to deposit checks and cash into their accounts. It’s easy to find one near you, given there are over 400,000 ATMs in the US alone. With that said, you might be wondering if there’s a way to put a money order in your bank account late at night via an ATM.

So, can you deposit a money order at an ATM?

Quick Answer: Yes, a money order can be deposited at an ATM if your bank offers the service. Many major banks accept ATM deposits of money orders. However, each bank has its own standard bank policies and procedures for financial services.

We will give you the places where you can deposit money orders near you open now.

Can you Deposit a Money Order at an ATM?

Yes, you can deposit a money order at an ATM at several major banks. However, keep in mind that each bank has its own policies and new ATM technology.

Also, some ATMs are only designed to dispense cash and not take deposits. Fortunately, many ATMs accept several types of money orders, such as USPS, MoneyGram, and Western Union.

Depositing a money order at an ATM is the same as depositing a check. For example, sign the money order and follow the directions instructed on the screen. However, you can only deposit a money order at a bank ATM and not in retail stores, such as grocery stores, gas stations, liquor stores, or Walmart.

What Banks Allow Money Order Deposits at ATM?

Many national banks accept money orders at ATMs, even though they each have different financial policies. But unfortunately, the direct deposit funds aren’t immediately available since banks treat money orders like checks.

The following banks deposit a money order into an ATM:

1. Capital One

Capital One has over 750 branches specializing in credit cards, personal and business loans, checking and savings accounts, cash personal checks, and free notary services. In addition, it has over 2,000 bank ATMs and access to over 70,000 AllPoint ATMs across the country.

Capital One branches have banks open late on weekdays until 5 or 6 pm on weekdays and until 12 pm or 2 pm on Saturdays. In addition, it’s one of the few banks with ATMs that dispense $5, $1, $50, and $100 bills at many locations

Availability of Money Order Funds: Based on your checking or savings agreement, you can get $100 to $200 in cash
Time For Money Order to Clear: Next business day 

Find a nearby Capital One ATM to deposit a money order in the machine.

2. Chase

Chase is one of the most popular banks in the US, with over 4,800 branches and 16,000 ATMs. It offers a wide range of products and services, including checking and savings accounts, credit cards, cash third-party checks, get cheap money orders, mortgages, auto loans, and business banking services.

Depending on the location, the bank is open on Saturday from 9 am and closes between 2 pm to 4 pm. Chase branch ATMs allow cardholders to withdraw up to $3,000 a day and dispense $10 bills if needed. However, a non-Chase ATM at a store has a withdrawal limit of up to $1,000.

Availability of Money Order Funds: Based on your checking or savings agreement, you can get $100 to $200 in cash
Time For Money Order to Clear: Next business day 

Find a local Chase ATM to deposit a money order near me.

See our guide on Chase Bank’s free notary services by appointment or walk-in for customers.

3. Citizens Bank

Citizens Bank is a regional bank headquartered in Providence, Rhode Island. It operates over 1,000 branches and over 3,100 ATMs in 11 states and is committed to providing quality banking products and services to its customers.

The bank usually is open from 10 am to 5:30 pm Monday through Thursday and 10 am to 4:30 pm on Friday. You can withdraw up to $500.00 from its ATMs on any given day.

Availability of Money Order Funds: None available
Time For Money Order to Clear: Next business day 

Find a nearby Citizens Bank ATM that allows money order deposits.

4. Santander

Santander is a global bank with over 650 banking offices and over 2,000 ATMs across the United States. The bank is regarded as a reliable and trusted institution because of its strong financial performance. In addition, its branches offer helpful financial services like replacing expired debit cards or how to fill out a money order.

The Santander banking hours for most locations are 9 am to 5 pm on weekdays, and 9 am to 1 pm on Saturdays. The ATM withdrawal limit varies by card, ranging from $1,000 to $2,500 maximum. In addition, debit cards from other countries may have different withdrawal limits.

Availability of Money Order Funds: Access to $100 via ATM withdrawal the same day; $225 available the next business day
Time For Money Order to Clear: Within six working days

Find a nearby Santander Bank to deposit a money order in an ATM machine.

See our guide on how much was 100 dollars worth in 1960.

5. TD Bank

TD Bank, a subsidiary of the Toronto-Dominion Bank, is one of the largest banks in North America. It has over 1,200 branches and 700 ATMs across 16 states.

In addition to checking and savings accounts, mortgages, car loans, credit cards, and debit cards with smart chips, the bank also offers specialty services, including wealth management for income-producing assets and investment services like buying and selling stocks.

TD Bank operates daily from 8 am to 6 pm on weekdays, 9 am to 2 pm on Saturdays, and some banks are open on Sunday from 11 am to 3 pm. Its ATMs allow for withdrawals of up to $1,000 per day.

Availability of Money Order Funds: Access to $100 via ATM withdrawal the same day
Time For Money Order to Clear: Next business day 

Find a nearby TD Bank ATM to deposit a money order to clear the next day.

6. Wells Fargo

Wells Fargo is one of the “big four” banks in the US, with over 8,000 branches and 13,000 ATMs. As a major player in both consumer and commercial banking markets, it’s one of the country’s most respected and successful banks.

The branches offer financial services like getting a cashier’s check, cashing third-party checks, and cashing personal checks.

Wells Fargo banks are open from 9 am to 5 pm on weekdays and from 9 am to 12 pm on Saturdays. There is a maximum daily withdrawal limit of $1,500 and a daily ATM withdrawal limit of $300. However, visit or contact your nearby Wells Fargo bank to request a withdrawal limit increase. 

Availability of Money Order Funds: None available
Time For Money Order to Clear: 1-2 business days

Find a local Wells Fargo Bank ATM to deposit a money order in your area.

https://www.youtube.com/shorts/EWS2Jcj3Rfc

Can You Mobile Deposit Money Orders?

Yes, you can mobile deposit money orders if your bank does not allow ATM deposits. As an alternative, if your bank doesn’t allow you to deposit money orders via a mobile app or an ATM, then visit your nearby bank or credit union.

Most mobile bank apps let you deposit personal checks, business checks, stimulus checks, treasury checks, etc. However, mobile bank apps cannot deposit international checks, US postal money orders, savings bonds, non-American Express traveler checks, and cash.

See our guide on the Chime deposit limit daily and weekly maximum.

What Banks and Credit Unions Allow Mobile Deposit Money Orders?

The following credit unions and banks allow you to mobile deposit money orders with a mobile banking app:

  • Alliant Credit Union – The mobile deposit limit is based on the number of accounts under your name. Your daily limit will appear below the amount field when you make a mobile deposit.
  • Chase – Mobile deposit limit is $10,000 per day and $25,000 in 30 days, but only available for business and commercial accounts. See our guide on Chase routing number and wire transfer information.
  • Citibank – Mobile deposit limit varies by account type and age.
  • Fifth Third Bank – Mobile deposit limit varies by account type. 
  • HSBC – Mobile deposit limit for personal accounts is $4,000 per day, $15,000 per month for advance accounts, and up to $25,000 per month for premier accounts.
  • KeyBank – $5,000 mobile deposit limit per 30 days for most accounts and $10,000 per 30 days for relationship bank accounts.
  • M&T Bank – Mobile deposit limit varies by account type. 
  • Mountain America Credit Union (MACU) – $5,000 per day or a total of ten mobile deposits.
  • PenFed Credit Union – Mobile deposit limit varies by account type. 
  • TD Bank – Mobile deposit limit is $1,000 to $2,500 per day and $2,500 to $6,000 within 30 days. It may vary based on account longevity.
  • US Bank – Mobile deposit limit varies by account type. 

See our guide on direct deposit times hit at credit cards and banks.

What Banks Don’t Allow Mobile Deposit Money Orders?

Mobile bank app features vary by each financial institution.

Here are banks that don’t allow mobile deposit of money orders:

However, some of these banks accept ATM deposits for personal checks, business checks, etc.

See our guide on the best check cashing apps that don’t use Ingo.

What To Do If An ATM Eats Your Money Order?

Has the ATM eaten your deposit? Although it can be frightening, we have tips to get it back quickly.

Here are things to do if an ATM took your money order:

  • Immediately Alert Your Bank – Stay where you are and contact a bank representative. The issue can be corrected by the next business day in most cases. Your bank will contact you after the deposit has been credited to your account.
  • Confirm an Investigation – Ask the bank to confirm that it will investigate your missing deposit.
  • Gather Proof and Take Notes – To prevent further issues and delays, provide the time and take a picture of the ATM error screen.
  • Respond Quickly – Immediately work with the bank investigation to resolve the problem quickly.

See our guide for cash app cards that work with the ATM for free.

Deposit a Money Order at an ATM Summary

You can deposit a money order at an ATM if your bank offers the service. Several national banks accept ATM deposits of money orders, but each bank has its own policies.

Alternatively, some banks also offer money order mobile deposits. Of course, you can visit your local bank or credit union to make deposits.

Check out our guide on depositing money orders at 711 near me fees.

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