If you’ve ever found yourself in a situation where you need to make a payment, but the recipient does not accept credit cards or personal checks, then you might have considered using a money order. A money order is a pre-paid check-like instrument that can be used to pay bills or cover expenses. It’s a popular choice for those who prefer to keep their checking account information private. But where does one get a money order? We have you covered.
Securing a money order is not as complex as it may seem. In fact, a simple web search for “money orders near me” will likely yield numerous vendors within a short distance from your home. All that’s left to do is to compare costs and determine the most convenient option for you.
Where Can You Get a Money Order: 7 Convenient Options
Here are some of the most common places where you can get a money order:
1. Post Office
The post office is an excellent place to get a money order, especially if you’re planning to mail it. With over 30,000 locations nationwide, there’s likely one near you. Fees for post office money orders range from $2 for amounts up to $500, to $2.90 for amounts over $500.
2. Convenience Stores
Believe it or not, you can also buy a money order at your local convenience store. Chains like 7-Eleven offer this service across their locations. However, fees and maximum amounts can vary, so it’s best to call ahead and check.
3. Check-Cashing Stores
Check-cashing stores like ACE Cash Express and Amscot also sell money orders. While ACE Cash Express does not disclose its fees online, Amscot offers this service free of charge for Florida residents.
4. Western Union
With roughly 45,000 agents across the United States and Canada, Western Union is another reliable option for purchasing money orders. Fees can vary depending on location.
5. MoneyGram Locations
MoneyGram offers money orders at 26,000 locations. Like other vendors, fees and face value limits can vary, so it’s best to call ahead.
6. Your Bank or Credit Union
Many banks and credit unions sell money orders, though their fees are generally higher than other providers. Both Wells Fargo and Chase, for instance, charge $5 per money order.
7. Walmart
Finally, Walmart Supercenters and Neighborhood Markets also sell money orders at a maximum processing fee of $1.
Considering Alternatives to Money Orders
While money orders offer a secure and reliable means of payment, they may not always be the best option. Here are a few alternatives worth considering:
- Personal Check: Quick and easy for those with a checking account.
- Cashier’s or Certified Check: Guaranteed forms of payment issued by the bank.
- Electronic Transfer: As society moves from paper to digital, transferring money electronically becomes increasingly common.
Final Thoughts
Whether it’s your first time needing a money order or you’re a seasoned pro, remember that there are several options at your disposal. Your decision will likely come down to convenience and price, so take the time to shop around if you’re not in a hurry. As Lisa White from MoneyGram notes, prices for money orders are usually lowest in areas with high competition. So, do your research and find the best deal for you.
