Can I get my money back from a money order I didn't use? (2024)

Can I get my money back from a money order I didn't use?

Bring identification and any information you have about the money order to start the process. It's best if you have a receipt from your original money order purchase. If successful, the issuer should return funds to you, often within about 60 days.

Can you return a money order if not used?

You can cancel a money order that hasn't been cashed. (If it's already been cashed, skip ahead.) If you're not sure about your money order's status, you can track it by calling the issuer's customer service number or using the tracking feature on its website.

Can I get my money back from a money order if I already filled out?

What if I already filled out the money order, but no longer need it for the payment I was going to make? If the money order is not altered & is in good condition, you may try to cash the money order at your bank or a check-cashing store.

Can an uncashed money order be refunded?

If it hasn't been cashed, you can fill out the Money Order Customer Request form to request a refund. You'll pay a $15 processing fee, deducted from the refund, to process the request. It takes about 30 days to complete a money order refund.

What happens if I never use a money order?

If a money order isn't cashed within the designated time frame, it becomes stale or expired, and the issuer may no longer honor it. Some issuers may charge a fee for replacing a stale money order or for refunding the amount.

How do I cash an unused money order?

You can cash a money order where it was issued (which should be printed on the money order). Additionally, you can generally cash money orders at your local post office or retailers like Walmart. Keep in mind that you may need to pay a fee if you choose to cash a money order at the non-issuing institution.

Can you put a money order back into your account?

If you prefer to put your funds directly into your checking account, you can deposit a money order instead of cashing it. Banks usually accept post office money orders like they would a regular check at branches, ATMs or even on a mobile app. Money orders from other sources may need to be deposited at a branch.

Can I endorse a money order to someone else?

Therefore you can legally sign over your interest to someone else by endorsing the back of it. However, with the amount of fraud now, most banks will not accept third party money orders or checks.

How long is an unused money order good for?

Can a money order expire? While a cheque can become stale-dated after six months, a money order doesn't expire. The funds for the money order are secured in a separate account until they're negotiated or used.

Can you white out on a money order?

No, you cannot make changes to a completed money order. Any form of alteration or correction will make it ineligible for cashing. Alternatively, you may submit a refund request through our office.

What happens if you fill out a money order wrong?

Money orders allow you to securely send or receive payments, providing an alternative to cash, checks or credit cards. They are similar to checks, but, because they're prepaid, money orders can't bounce. They can, however, get canceled or refunded if not filled out correctly.

Can I cash a money order to myself?

Sure. Go to a bank or even a 7–11 and have a money order made out, to yourself is fine. Sign and cash it wherever you choose. Just remember, don't endorse it until you will cash it.

Who is supposed to endorse the back of a money order?

You—the purchaser—sign the line on the front of the money order. The endorsem*nt line on the back of the document is for the recipient to sign before cashing it. Once you've filled out the money order, you can give or send it to the intended recipient. They should be able to cash or deposit it at their bank.

Are money orders transferable?

Once a money order is purchased, it can be mailed or handed to the recipient. The recipient has to be specified on the money order, and they'll need to show identification in order to cash the money order. Money orders can be cashed at any post office, some retailers and most banks and credit unions.

Can I mobile deposit a money order?

Please visit a financial center to deposit the following items which are currently not accepted via mobile deposit: U.S. savings bonds. Checks from foreign banks. Money orders.

Can money orders be traced?

The main way to track your money order is through the provider. The company's name will be on your receipt as the “issuer” and is typically your bank, USPS or a money-sending business. The provider isn't a reseller or a third party, like a supermarket or convenience store.

What makes a money order invalid?

Misspelling the payee or recipient's name. Writing the wrong payee or recipient address. Leaving the recipient field blank. Writing your name or address incorrectly.

What are the disadvantages of money order?

Can a money order be traced?

The main way to track your money order is through the provider. The company's name will be on your receipt as the “issuer” and is typically your bank, USPS or a money-sending business. The provider isn't a reseller or a third party, like a supermarket or convenience store.

Can you cancel a money order?

With most money order issuers, including USPS, Western Union, and MoneyGram, you can cancel the payment. 12 To do so, either fill out a form or take the money order back to the place you originally bought it. Bring identification and any information you have about the money order to start the process.

Why should you be careful with money orders?

Although money orders are generally inexpensive, they almost always involve a purchase fee and sometimes a redemption fee for the recipient. Money orders are an attractive tool for fraudsters, so it's important to check the visual security features on any money order you receive.

Why do people still use money orders?

Money orders let you send and receive large amounts of money safely without stupid bank fees. And most importantly, they help guard your personal information. Sure, money orders will include your name and address, but unlike a personal or certified check, they won't include your bank account or routing numbers.

Can I find out who cashed my money order?

If it is a US Postal Money Order, you can bring your money order receipt to any Post Office, and fill out a form 6401, to either trace or replace the Money Order in question. There is a fee for this, but you will get the information as to when and where it was cashed.

Can you tell if a money order has been cashed?

Call MoneyGram's Customer Care Center at 1-800-926-9400 or use MoneyGram's online form. 5 You'll need to provide your money order number and the exact dollar amount; the system should then tell you whether the item has been cashed or not.

Can you mobile deposit a money order?

While many checks can be deposited with your phone, there are a few exceptions. Most personal, business and government checks are eligible, but other cash equivalents like money orders or savings bonds may not be. International checks may not always qualify either.