Chase does offer money orders at most branches, but availability and fees vary by location
Yes, Chase Bank sells money orders at the vast majority of its branches. You can walk in during business hours, provide cash or use a debit card, and walk out with a money order the same day. However, not every Chase location stocks them, and the fee ranges depending on the amount and your account type. Some branches may require advance notice or have limits on how many you can purchase at once.
Money orders from Chase are useful when you need a may provide payment method — the recipient knows the funds are real because a bank stands behind it. They're commonly used for rent deposits, security deposits, or situations where a personal check isn't accepted. Unlike a check, a money order can't bounce.
Key Takeaways
- Chase sells money orders at most branches during regular business hours, and you can pay with cash or a debit card.
- The fee typically ranges from $5 to $10 depending on the amount, though account holders may pay less or nothing at all.
- Not every Chase location carries money orders, so calling ahead to confirm availability saves a wasted trip.
- You'll need to know the exact amount and have the recipient's name ready when you purchase.
- Chase money orders can be used anywhere in the United States and are treated as may provide funds by most landlords and businesses.
What Chase charges for money orders
Chase's money order fees depend on the amount and whether you're a checking account holder. For non-customers or customers without certain account types, fees typically run $5 to $10 per money order. Some Chase checking accounts — particularly premium or business accounts — waive the fee entirely or charge a flat rate regardless of amount.
The best way to know your exact fee is to call your local Chase branch directly or log into your Chase online account, which sometimes displays fee schedules. Fees can differ between branches, so what one location charges may not match another. If you're a frequent user of money orders, the fee structure might be worth considering when choosing a checking account.
How to get a money order at Chase
Walk into any Chase branch during business hours with cash or your debit card. Tell the teller you want a money order and provide the exact amount. You'll need to know the recipient's name — the person or business the money order is payable to — before you hand over your money. The teller will fill out the form, take your payment plus the fee, and give you the money order on the spot.
Bring a valid ID. Some branches may ask for your account number if you're a customer, though this isn't always required. If you're buying a large money order or need multiple ones, calling ahead is smart — some branches have daily limits or may need to order stock if they're running low.
Checking availability before you go
Not every Chase branch carries money orders in stock at all times. Before making the trip, call the branch directly and ask if they have money orders available. You can find your nearest branch and its phone number on Chase's website or through their mobile app. A quick call takes two minutes and prevents a wasted visit.
If your local branch doesn't carry them, ask if another nearby location does. In rare cases, a branch may be able to order money orders for you to pick up the next business day, though this varies by location.
Alternatives if Chase doesn't work for you
If your Chase branch doesn't have money orders or the fee is higher than you'd like, other options exist. Most grocery stores with customer service desks — Walmart, Kroger, Safeway — sell money orders for $1 to $3. Credit unions often offer them to members at low or no cost. The U.S. Postal Service sells money orders at post offices for a flat fee around $1.45 to $2.45 depending on the amount.
The trade-off is convenience: Chase is open longer hours than most post offices, and you may already be a customer. But if you're buying multiple money orders or want to avoid fees, the post office or a grocery store may be worth the extra stop.
What to do if your money order is lost or stolen
Money orders are safer than cash but not as protected as a check. If your money order is lost or stolen before you send it, contact Chase immediately with the receipt. Chase can sometimes cancel it and issue a replacement, though this process takes time and may involve a fee. Keep your receipt in a safe place until the recipient confirms they've received and cashed the money order.
If someone else cashes your money order fraudulently, Chase's liability is limited. This is why it's important to fill in the recipient's name before handing it over and to keep the receipt as proof of purchase.
Frequently Asked Questions
Can I buy a money order online from Chase and pick it up in branch?
No, Chase does not offer online money order purchases or pre-ordering through their website or app. You must visit a branch in person with cash or a debit card to buy one on the spot.
What's the maximum amount I can put on a Chase money order?
Most money orders, including those from Chase, max out at $1,000 per order. If you need to send more than that, you'll need to buy multiple money orders or use a different payment method like a cashier's check.
Do I need a Chase account to buy a money order there?
No, you don't need to be a Chase customer. Non-customers can buy money orders at Chase branches, though they typically pay a higher fee than account holders. You'll still need a valid ID.
How long does it take for a money order to clear once the recipient deposits it?
Money orders typically clear within one to three business days, similar to a personal check. Some banks or credit unions may clear them faster. The recipient's bank determines the exact timing.
Can I get a refund if I change my mind about a money order I just bought?
Yes, most Chase branches will refund a money order if you haven't sent it out yet and you bring the receipt. You may lose the fee you paid, and some branches charge a small cancellation fee, but you'll get the principal amount back.