Chase does not sell money orders in its branches

Chase stopped offering money orders at most of its locations several years ago. If you walk into a Chase branch asking for a money order, the teller will direct you elsewhere. This is different from a cashier's check, which Chase still issues — a money order is a separate product that Chase no longer stocks.

You can get a money order at other banks, credit unions, grocery stores, and convenience stores instead. The process is faster than ordering a cashier's check and costs less, usually between $1 and $5 depending on where you buy it.

Key Takeaways

  • Chase branches do not sell money orders, though they still issue cashier's checks for a similar purpose.
  • Money orders are available at most grocery stores, convenience stores, Walmart, Western Union locations, and many credit unions.
  • You need cash or a debit card to buy a money order; you cannot charge it to a credit card at most retailers.
  • A money order costs $1 to $5 and takes minutes to complete, making it faster than a cashier's check for small to medium payments.

Where to buy a money order if you bank at Chase

Walmart, grocery stores, and convenience stores are your fastest options. Walmart sells money orders at the customer service desk for under $1 each. Most grocery chains — including Kroger, Safeway, and Albertsons — sell them at the customer service counter or checkout. CVS and Walgreens sell money orders at the register, usually for $1 to $2 each depending on the amount.

Credit unions often sell money orders to non-members for a small fee, usually $1 to $3. Western Union locations, which you can find at many grocery stores and convenience stores, also sell money orders. Call ahead or check the website of the store nearest you to confirm they have money orders in stock that day.

What you need to bring and how the process works

Bring cash or a debit card. Most retailers do not accept credit cards for money order purchases. You will also need to know the exact amount you want the money order for — this cannot be changed after it is printed, so double-check before you hand over payment.

Tell the cashier or customer service representative the amount and the name of the person or business the money order should be made out to. They will print it on the spot. You sign the back as the purchaser. The recipient signs the back when they cash or deposit it. The whole process takes five to ten minutes.

Money order versus cashier's check from Chase

A money order works for smaller payments — typically up to $1,000, though some retailers allow up to $5,000. A cashier's check from Chase works for any amount and carries more weight in formal transactions like real estate closings or large business payments. Money orders are instant; cashier's checks take one to three business days to order.

Money orders cost $1 to $5. A cashier's check from Chase costs $10 to $15 per check. If you need the payment today and the amount is under $1,000, a money order is the practical choice. If you need it for a formal transaction or the amount is very large, go back to Chase for a cashier's check.

How to fill out a money order correctly

The cashier will print the amount and the payee name (the person or business receiving the money). You fill in the "Purchaser" or "From" line with your name and address. Sign the back of the money order in the purchaser's signature line — do not sign the back where the recipient signs.

Write a memo or reference number on the money order if there is a line for it. This helps the recipient track what the payment is for. Keep your receipt, which shows the money order number and amount. If the money order is lost or stolen before it is cashed, you will need this receipt to file a claim for a replacement.

Tracking and replacing a lost money order

Money orders are traceable using the number printed on them. If a money order you sent does not arrive or is lost, contact the issuer (Walmart, Western Union, your grocery store, or whoever sold it to you) with your receipt. They can check whether it has been cashed and, if not, issue a replacement.

This process usually takes two to four weeks. You will need to show your receipt and sign a form stating the money order was lost. Some issuers charge a small replacement fee, usually $1 to $5. This is why keeping your receipt is important — without it, you cannot prove you bought the money order or request a replacement.

Alternatives if you need a may provide payment method

If a money order is not available or you need something more formal, a cashier's check from Chase is still your best option at a Chase branch. Wire transfers are another choice if both you and the recipient have bank accounts — they are faster and more secure, though they cost $15 to $30 depending on the bank.

For very small amounts, some people use a personal check, though checks are less secure than money orders and take longer to clear. For online payments, a bank transfer or payment app like Venmo or PayPal may work. The right choice depends on the amount, the urgency, and whether the recipient needs a physical document or can accept digital payment.

Frequently Asked Questions

Can I buy a money order with a credit card?

Most retailers do not accept credit cards for money order purchases. You will need cash or a debit card. Some credit unions may have different policies, so call ahead if you want to pay with a credit card.

What is the maximum amount for a money order?

Most retailers cap money orders at $1,000. Some allow up to $5,000. If you need to send more than that, you will need a cashier's check, wire transfer, or multiple money orders. Check with the retailer before you go.

How long does it take to cash a money order?

Money orders cash instantly at most banks and retailers. Your bank may hold the funds for one to three business days before they appear in your account, depending on their policy. Ask your bank about their hold period.

Can I cancel a money order after I buy it?

Yes, but only if it has not been cashed. Return to the retailer where you bought it with your receipt and ask for a refund or replacement. If the money order has already been cashed, you cannot cancel it.

Do I need an account at Chase to get a money order there?

Chase does not sell money orders at all, whether you have an account or not. You will need to buy one from a retailer or credit union instead.