Money orders offer a secure and reliable way to send funds, especially for those who prefer not to use personal checks or don’t have bank accounts. They are a prepaid payment method, ensuring the recipient can confidently cash or deposit the funds. Whether you need to pay bills, send money to family, or make a purchase, understanding where to obtain a money order is essential.
This guide will explore the various locations where you can conveniently purchase money orders near you, providing detailed information to help you make the best choice for your needs.
Top Locations to Find Money Orders Near You
If you’re asking yourself “where can I get money orders near me?”, you’ll be relieved to know that numerous accessible options are available. From traditional institutions like post offices and banks to retail giants and convenience stores, finding a money order outlet is easier than you might think. Let’s delve into the most common and convenient places to purchase money orders.
1. Post Office (USPS)
The United States Postal Service® (USPS) is a widely recognized and trusted provider of money orders. USPS money orders are accepted across a vast network of locations, making them a highly versatile option. Obtaining a money order from the post office is a straightforward process. Simply visit your local USPS branch, complete the required money order form, and pay the desired amount plus a nominal fee.
USPS money orders are ideal for domestic money transfers. You can send up to 1,000 USD per money order within the United States. For international money transfers via USPS, the limit is 700 USD, with a lower limit of 500 USD for El Salvador and Guyana. Keep in mind that international money orders also involve an issuing fee of 49.65 USD in addition to country-specific processing fees. Always retain your receipt for tracking purposes, especially if you utilize the USPS money order tracking service.
The fees for domestic USPS money orders are structured as follows:
| Money Order Value | USPS Fee |
|---|---|
| $0.01 to $500.00 | $2.35 |
| $500.01 to $1,000.00 | $3.40 |
| Military Money Orders | $0.79 |
It’s worth noting that military facilities offer postal money orders at a reduced fee.
Person completing a money order form at a post office counter
2. Banks and Credit Unions
Banks and credit unions are another reliable source for money orders. Many financial institutions offer money order services to both account holders and non-customers. However, account holders may benefit from preferential rates or waived fees depending on their bank or credit union’s policies.
To purchase a money order from a bank or credit union, you can visit a local branch during business hours. Similar to the post office, you will need to fill out a form specifying the recipient and the amount, and then pay the total, including the service fee. While bank fees might be slightly higher than those at the post office, the convenience and trust associated with established financial institutions make them a popular choice for many. Contact your local bank or credit union to inquire about their specific money order services and fees.
3. Walmart
Walmart provides easily accessible money order services, often extending their availability into evenings and weekends. Walmart partners with reputable money transfer companies like MoneyGram, Ria, and Western Union to issue money orders, ensuring a secure and efficient transaction process.
Getting a Walmart money order is a simple four-step process:
- Visit the MoneyCenter or customer service desk within Walmart.
- Inform the Walmart associate of the money order amount you wish to purchase.
- Complete the required money order form.
- Pay for the money order, including the fee.
Walmart is known for its competitive fees, often advertising money order fees under 1 USD, although this can vary by location and the specific money transfer service used. You can typically pay for Walmart money orders using cash or a debit card. The ability to purchase multiple money orders in one transaction is also a convenient feature offered at Walmart.
4. Convenience Stores
Convenience stores and grocery stores are widespread and often operate with extended hours, making them a convenient option for purchasing money orders, particularly outside of traditional banking hours. These stores usually facilitate money order sales through established services like Western Union or MoneyGram.
If you need to obtain a money order outside of regular business hours, a local convenience store could be a practical solution. Fees at convenience stores can vary, so it’s advisable to check with the specific store for their current pricing before making your purchase. While convenient, it’s worth noting that convenience stores might not have the same robust security infrastructure as banks or the USPS. Although lost or stolen money orders are replaceable, the process involves time and additional processing fees.
5. Western Union Outlets
Western Union is a well-known money transfer service with numerous agent locations, including dedicated Western Union branches, supermarkets, and check-cashing stores. These outlets offer Western Union money orders as part of their service offerings.
The process for purchasing a money order at a Western Union location is similar to other providers. You’ll need to fill out a form with the necessary details, pay the money order amount plus the applicable fee, and you’ll receive your money order. Western Union’s fees are influenced by factors such as the destination of the funds and the payment method used. For an estimate of the costs, you can utilize the price estimator tool available on the Western Union website.
Money Order FAQs
To further clarify any questions you might have about money orders, let’s address some frequently asked questions.
How much does a money order cost?
The cost of a money order is determined by where you purchase it. USPS money order fees are tiered, costing $2.35 for amounts up to $500 and $3.40 for amounts between $500.01 and $1,000. Banks and credit unions may have slightly higher fees, but account holders might receive discounts. Walmart often boasts fees under $1, while convenience stores and Western Union can have fees ranging from $1 to over $10, depending on the amount and location. It’s always best to check the fee structure at your chosen location before purchasing.
Where is the easiest place to get a money order?
The “easiest” place to get a money order depends on your personal preferences and accessibility. USPS post offices are widely available and have a reliable system. Walmart and Western Union locations are also readily accessible and offer straightforward processes. Convenience and grocery stores provide extended hours, which can be convenient for after-hours purchases. Consider factors like location proximity, hours of operation, and potential fees when deciding on the “easiest” place for you.
Where can I cash a money order?
Cashing a money order is generally straightforward. You can typically cash a money order at banks, credit unions, USPS offices, and retail stores like Walmart. Western Union and MoneyGram locations also offer money order cashing services. Regardless of the location, you will need to present a valid form of photo identification to cash a money order. Be aware that some locations, especially if you are not an account holder, might charge a fee for cashing money orders.
Is a cashier’s check the same as a money order?
No, a cashier’s check is not the same as a money order. Cashier’s checks are issued by banks and are drawn directly from the bank’s funds, whereas money orders are prepaid instruments. Cashier’s checks are often used for larger transactions, such as down payments on significant purchases like houses or cars. Money orders, conversely, are designed for smaller amounts and are available at a broader range of locations, including USPS offices, Western Union outlets, and convenience stores.
Is there a limit on money orders?
Yes, money orders typically have limits. For instance, USPS domestic money orders are capped at $1,000, and international money orders have a limit of $700 (or $500 for El Salvador and Guyana). If you need to send more than these limits, you would need to purchase multiple money orders, potentially incurring additional fees. For larger transfers, consider alternative methods like bank transfers or services like Wise, especially for international transactions.
If you need to purchase a money order, you have numerous convenient options “near me,” including USPS, banks, credit unions, Walmart, convenience stores, and Western Union. Choose the location that best suits your needs based on convenience, fees, and the level of service you require.
For sending money internationally, consider the benefits of using Wise. Wise offers a convenient online platform and app for international money transfers with potentially lower fees and the mid-market exchange rate.*
Sources:
Sources checked 07.19.2024
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
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