Where Can You Cash a Postal Money Order? 19 Options Listed

William Lipovsky headshot William Lipovsky
Verified & Updated Sep 27, 2018

Most of us know you can purchase money orders for up to $1,000 at all United States Postal Service (USPS) offices, but if you have one of these in your pocket and need to cash it, you may wonder, “Where can I cash a postal money order?”. Sure, you can cash them at the post office, but there are plenty of other locations (like faster, more convenient) options. This article will give you the low-down on cashing postal money orders.

We’ve covered banks that cash postal money orders for customers, banks that cash postal money orders for non-customers, check cashing businesses that cash them, and other businesses such as grocery stores. We also included a list of places that don’t cash postal money orders, so you can save yourself the time of visiting those locations.

We verified all of the following information through company websites and, when necessary, by making phone calls. However, because policies may range from one location to the next, it’s always a good idea to call ahead to make sure they will cash a postal money order for you.

Banks Where You Can Cash Postal Money Orders If You Have an Account

1. Bank of America

  • Restrictions, fees, or other information: You can deposit the money order into your Bank of America account and withdraw $100 the same day.
  • Find your closest branch.

2. BB&T

  • Restrictions, fees, or other information: You can cash your money order if your account balance is high enough to cover the full amount of the order. If not, you must deposit the money order.
  • Find your closest branch.

3. Capital One

  • Restrictions, fees, or other information: You can cash your money order if your account balance is high enough to cover the full amount of the order. If not, you must deposit the money order.
  • Find your closest branch. 

4. Chase Bank

  • Restrictions, fees, or other information: You can cash your money order if your account balance is high enough to cover the full amount of the order. If not, you must deposit the money order.
  • Find your closest branch. 

5. PNC Bank

6. SunTrust

7. TD Bank

  • Restrictions, fees, or other information: You can cash your money order if your account balance is high enough to cover the full amount of the order. If not, you will have to deposit the check.
  • Find your closest branch.

8. U.S. Bank

  • Restrictions, fees, or other information: You can cash your money order if your account balance is high enough to cover the full amount of the order. If not, you will have to deposit the check.
  • Find your closest branch.

9. Wells Fargo

  • Restrictions, fees, or other information: You can deposit the money order into your Wells Fargo account and withdraw the money when the funds become available; the time frame for funds availability varies based on the amount of money in your account and the amount of the money order.
  • Find your closest branch.

Banks Where You Can Cash Postal Money Orders Even If You Don’t Have an Account

10. Fifth Third Bank

  • Restrictions, fees, or other information: 5/3 runs money orders through the verification system CashAccess and cashes all verified money orders.
  • Find your closest branch.

11. HSBC

  • Restrictions, fees, or other information: According to HSBC’s corporate customer service line, cashing money orders is at the discretion of the branch. Some branches may cash a postal money order whether or not you have an HSBC account.
  • Find your closest branch. Local branch phone numbers are not listed. To get branch-specific information over the phone, call corporate customer service at (800) 975-4722.

12. Regions

  • Restrictions, fees, or other information: The fee for non-account holders to cash a money order is 5% with a $5 minimum charge.
  • Find your closest branch.
  • Note: While most banks cash money orders for account holders, we were unable to verify this information with Regions.

Check Cashing Locations Where You Can Cash Postal Money Orders

13. ACE Cash Express

  • Restrictions, fees, or other information: All Ace locations charge a 4% cashing fee on postal money orders.
  • Find your closest location.

14. Check Into Cash

  • Restrictions, fees, or other information: Some locations do not cash postal money orders, and the fees vary by location. Call your nearest location to verify.
  • Find your closest location.

15. Money Mart

  • Restrictions, fees, or other information: The fee to cash a money order at all locations is 10% of the total amount plus $1.99
  • Find your closest location.

16. United Check Cashing

  • Restrictions, fees, or other information: Some locations do not cash postal money orders. Call your nearest location to verify.
  • Find your closest location.

Other Places Where You Can Cash Postal Money Orders

These stores have at least some locations that cash postal money orders. You should verify with your nearest location, as some may not offer this service.

17. Albertsons

18. Safeway

  • Restrictions, fees, or other information: Call your local store to learn about location-specific policies.

19. USPS

Places Where You Can’t Cash Postal Money Orders

To save you some time, we made a list of the places that don’t cash postal money orders.

  • 7-Eleven
  • ALDI
  • BJ’s Wholesale
  • Check Smart
  • Costco
  • CVS
  • Dollar General
  • Dollar Tree
  • Fry’s Food and Drug
  • Giant Eagle
  • Kmart
  • Kroger
  • Mariano’s
  • Martin’s
  • Pick ‘n Save
  • Publix
  • QuikTrip
  • Rite Aid
  • Royal Farms
  • Target
  • Walmart

In Summary

Now you know where to cash a postal money order. Cashing a postal money order is often easy as heading to your local post office. But when that isn’t possible or convenient, there are many other places where you can turn to get your money in hand. Make sure to pay close attention to bank requirements regarding postal money orders, and make note of fees associated with cashing postal money orders through check cashing companies.

For more information about how money orders work, see our money order FAQ.

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