USPS Money orders

[oldman1951]

Unless in all that time somebody else cashes it.

Post Office said it didn’t matter if it had been cashed. My receipt was all I needed,

 

[antelopedundee]

That is very odd, I have cashed USPS MO at banks I bank with and had no problems. ask to talk to a branch manager, the USPS MO have watermarks and a security strip. which can easily been seen.

if they can not tell if they are fake or real, at the time you present them to be cashed, time to find another bank.


Lee

If nothing else your PO can verify if they are stolen or fake.

 

[antelopedundee]

Not sure how current this list is.

https://www.usps.com/stascmo/docs/uspo.txt

 

[Dusty Stevens]

I pretty much only want or want to send paypal. Anytime somebody sends me a check i pretty much dont get that money for a month or more and its a huge hassle for me to send one.

 

[spclark]

Anytime somebody sends me a check i pretty much dont get that money for a month or more and its a huge hassle for me to send one.

I can relate to the check-writing hassle. For a few years now I've used a free service offered by my credit union to pay bills (ACH if I have an account number to send payments to) or have checks sent as necessary. Haven't written a paper check in three years.

Only problem has been recipient once tossed envelope w/check inside into trash 'cause the return address wasn't familiar.

Checks I infrequently receive I deposit by use of an app the CU makes available. I see the amount credited to my account within 48 hours, usually less if I 'deposit' check on a weekday. This has taken the 'hassle' out of physically having to get to their building to submit paper checks for deposit, a big plus.

In this day and age I can't imagine why a valid check submitted for deposit doesn't get credited to your account within three business days.

 

[Dusty Stevens]

I can relate to the check-writing hassle. For a few years now I've used a free service offered by my credit union to pay bills (ACH if I have an account number to send payments to) or have checks sent as necessary. Haven't written a paper check in three years.

Only problem has been recipient once tossed envelope w/check inside into trash 'cause the return address wasn't familiar.

Checks I infrequently receive I deposit by use of an app the CU makes available. I see the amount credited to my account within 48 hours, usually less if I 'deposit' check on a weekday. This has taken the 'hassle' out of physically having to get to their building to submit paper checks for deposit, a big plus.

In this day and age I can't imagine why a valid check submitted for deposit doesn't get credited to your account within three business days.

I need to check on that mobile deposit jazz. I use 3 banks and cu and im sure one of them have it

 

[spclark]

I need to check on that mobile deposit jazz.

Farzino they're smartphone-only. Mine looks like this:



Takes maybe a minute to process a check start to finish.

I got one check a couple weeks ago that presented a problem 'cause the routing and account numbers were in a white bar across the bottom. Software was cropping that bar off, without #'s the check wouldn't pass muster. Solved problem by taking a Sharpie and black-lining the edges of the white border, re-submit & it went through.

 

[antelopedundee]

I can relate to the check-writing hassle. For a few years now I've used a free service offered by my credit union to pay bills (ACH if I have an account number to send payments to) or have checks sent as necessary. Haven't written a paper check in three years.

Only problem has been recipient once tossed envelope w/check inside into trash 'cause the return address wasn't familiar.

Checks I infrequently receive I deposit by use of an app the CU makes available. I see the amount credited to my account within 48 hours, usually less if I 'deposit' check on a weekday. This has taken the 'hassle' out of physically having to get to their building to submit paper checks for deposit, a big plus.

In this day and age I can't imagine why a valid check submitted for deposit doesn't get credited to your account within three business days.

I thought that they were supposed to clear pretty much instantly these days.

 

[troupe]

I use USPS MO for the simple fact that if fraud has been committed then the Feds are involved because the funds that were used is a Federal form of payment. Makes me feel better.

 

[McFred]

Try calling your postmaster tell them you are bringing in $1k in usps MO to be cashed and would like them to have the cash on hand.

This is what I've done too. My tiny local post office, whose general employees all arrive on the shortest liitle yellow bus you ever did see, cannot figure out how to produce greenbacks from one of their own cash proxies.

If I call in advance, when the postmaster's on duty, and use small words I can arrange it so I can can exchange their vouchers. It's a PITA but beats doing anthing at all with Wells Fargo or those other national corporate thieves.

 

[Jdne5b]

I use USPS MO for the simple fact that if fraud has been committed then the Feds are involved because the funds that were used is a Federal form of payment. Makes me feel better.

Good luck getting the Post Master or any other Fed to treat that case appropriately. They'll add it to the stack and say "don't hold your breath."

 

[antelopedundee]

This is what I've done too. My tiny local post office, whose general employees all arrive on the shortest liitle yellow bus you ever did see, cannot figure out how to produce greenbacks from one of their own cash proxies.

If I call in advance, when the postmaster's on duty, and use small words I can arrange it so I can can exchange their vouchers. It's a PITA but beats doing anthing at all with Wells Fargo or those other national corporate thieves.

Yep. I believe that the USPS is obligated to cash them if you insist. Makes no sense that you have to buy with cash, but can't redeem for cash. I was told by a window clerk that she could only cash a MO up to the amount in her drawer.

 

[skeeljc]

I have deposited them with my US Bank mobile APP.

 

[Rustytigwire]

USPS MO
I just bought a pair for 750.00 ea
Problem? 1k limit on debit card.
Solution? Use other card.
Problem? Only 25 in that account.
Solution? Whip out fone and xfer funds.
Done!
If they wont cash i invite (forum member) recipient to tell his side.

 

[antelopedundee]

I currently have over $1000 in USPS money orders in my wallet.

I went to the local USPS branch again yesterday and asked to cash them. The lady said maybe she had enough cash to cash the smallest one ($60) but she didn't. I asked when to come back when they would have cash and she didn't know. Suggested my bank.

My bank won't cash them. they say there are too many fakes out there. They will deposit them but hold the funds 14 days. This pretty much eliminates what most people are trying to accomplish of a cash transaction.

My bank will cash checks and hand me the money.

Anyone else have trouble cashing these?

--Jerry

Realizing that this is an older thread, but if the PO can't or won't redeem them then the least that they should do is verify that they are authentic and not on the list of stolen ones.

 

[spclark]

Fat chance... right now the PO staffers are PO’d over having to be there at all.

I don’t think that validation number posted earlier:

“The USPS provides a toll free phone number, (866) 459-7822 and follow the prompts, to verify the money order.”

- is just for their use?

Never had an issue getting funds out of the USPS MO’s I’ve received, but I’ve never tried to cash one at a PO. Bought postage with one once, they didn’t hesitate, gave change in return. For most I just deposit them with my bank (credit union now) and sit back. Never taken longer than three days to clear.

 

[338 dude]

I currently have over $1000 in USPS money orders in my wallet.

I went to the local USPS branch again yesterday and asked to cash them. The lady said maybe she had enough cash to cash the smallest one ($60) but she didn't. I asked when to come back when they would have cash and she didn't know. Suggested my bank.

My bank won't cash them. they say there are too many fakes out there. They will deposit them but hold the funds 14 days. This pretty much eliminates what most people are trying to accomplish of a cash transaction.

My bank will cash checks and hand me the money.

Anyone else have trouble cashing these?

--Jerry

I would try Walmart they cash checks and money orders although I hate them and try to go as little as possible and with the situation nowadays I don’t go there at all

 

[carlsbad]

Update on paypal: Earlier in this thread I supported paypal based on them supporting me years ago in a large chargeback. I'm not sure if they are still so supportive of their customers in such a situation or not.

However, I do have a recent update regarding international payment. They recently changed their pricing structure to charge a large fee to convert money to another currency, including Canadian dollars. I sent US $ to a Canadian seller here on the forum. Papal converted it to $CAD even though the seller had a paypal account set up in $US. We both asked paypal to reverse the transaction so we can make it happen in $US and they said sure they'll be glad to reverse it but they will charge the high currency conversion fee AGAIN.

Pretty much soured me on paypal but the gift function is still quite usable and they don't make any money on that.

--jerry

 

[Bill K]

Might be just me, but IF I get a USPS mo, my bank cashes it with no issues. However I mostly pay for something, I order from others on sites, with a Cashier's check, from my bank and have never had any problems, on either end.

 

[sqrlgtr]

Always assumed US Postal Money Order was one of the safest ways for money transaction. I use Money Orders alot trading on line.Never had a problem sending or cashing one.I have had a pay pal account hacked!!! I Don't have a PP account now, nor will ever have one again.