Home Blog How To Track a Money Order and See If It’s Cashed

How To Track a Money Order and See If It’s Cashed


While you make a purchase order with a cash order, chances are you’ll wish to know in case your fee has been acquired and cashed by the individual it was supposed for. It’s doable to trace cash orders, however it could take some effort and a bit of cash.

How Cash Order Monitoring Works

Not like private checks, cash orders aren’t straight linked to your private checking account—you usually purchase them with money (although some locations will settle for a debit card). If you happen to pay with money, you will not see any proof of the cash order clearing in your financial institution transaction historical past. Nonetheless, you possibly can monitor cash order funds by putting a request with the cash order issuer.

Easy methods to Monitor Cash Orders

United States Postal Service (USPS)

Submit a kind and pay a modest price.


Name an automatic response line (1-800-926-9400) or use a web based monitoring system.

Western Union

Name 1-800-999-9660.

(You’ll find extra info on every of those choices beneath.)

After about 30 days, the issuer sometimes sends a replica of the endorsed cash order (exhibiting who cashed or deposited it, and when) or a discover that the cash order has not but been cashed. If the cash order continues to be excellent, you might have the choice to cancel it and get a refund. The precise course of varies from issuer to issuer.

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Making Your Request

Collect Wanted Data

While you purchase a cash order, you need to obtain a receipt with the order particulars. To trace the transaction, you’ll want to offer the cash order quantity and the order quantity. Be sure you take a photograph or make a replica of the cash order so you possibly can have the knowledge out there if it is advisable to monitor it.

Pay Service Charges

Monitoring a cash order is time-consuming, and it may be costly. The USPS is most reasonably priced at $6.15, however different issuers cost $15 or extra to analysis probably misplaced or stolen funds.  You may additionally need to fill out kinds, generally in individual, and also you may not get a solution (a lot much less a refund) for 30 days or extra.

Contact the Recipient

If doable, talk with whomever you despatched your fee to. Generally folks and companies don’t course of orders instantly, and so they take even longer to deposit funds they’ve acquired. Getting info straight out of your payee could also be simpler than filling out kinds.

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Take into account Ready

It could be value ready no less than two weeks after you ship a fee earlier than giving up and canceling a cash order. Most letters arrive at their vacation spot inside a number of days, however for some motive funds appear to maneuver slower. Throughout holidays and weekends, that course of can take even longer. What’s extra, your recipient might have been busy or out of city when the fee arrived. That stated, if something appears fishy, it is good to hunt solutions rapidly.

Monitoring Cash Orders From the USPS

If you happen to used a USPS cash order, it is advisable to go to a put up workplace and fill out PS Kind 6401, the Cash Order Inquiry. To finish that kind, you want the receipt out of your authentic buy exhibiting the cash order quantity, quantity, and details about the put up workplace you bought from.

At the moment, the USPS costs $6.15 for researching your cash order. The method can take no less than 30 days, and if the cash order has been cashed or deposited, you’ll obtain a replica of the back and front of the doc. With that info, you possibly can be taught the place the cash in the end went.

If you happen to can’t wait that lengthy, there could also be some unofficial “workarounds” that may provide help to decide whether or not or not the cash order was cashed or deposited. For instance, you possibly can attempt the put up workplace inquiry line or use the Cash Order Inquiry System, and see if the merchandise “does not match.”

Nonetheless, the knowledge you get may not be dependable as a result of the system was not designed to do what you’re making an attempt to do. The one option to know for positive is to make use of Kind 6401 and wait.

MoneyGram Monitoring

Monitoring a MoneyGram cash order is a bit simpler. Name MoneyGram’s automated response line at 1-800-542-3590 or use MoneyGram’s on-line monitoring system. You’ll want to offer your cash order quantity and the precise greenback quantity; the system ought to then inform you whether or not the merchandise has been cashed or not. If you do not have the transaction’s quantity you might want to full a kind.

If it has been cashed and also you desire a copy of the endorsed cash order, or if it is advisable to file a declare, you are able to do so by filling out a Declare Card, paying $18, and ready no less than 30 days for a mailed response.

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If you happen to don’t have your cash order quantity, chances are you’ll have to pay a further price and fill out a unique kind to dig up the knowledge you want. You may additionally be capable of request these providers in individual to make sure that the method goes easily.

For extra info and hyperlinks to the kinds in Spanish and English, go to MoneyGram’s cash order service pages.

Western Union Course of

Western Union’s course of is much like MoneyGram’s. Earlier than filling out kinds and paying charges, confirm that the cash order was cashed by calling 1-800-999-9660.

If you happen to want a replica of the paid cash order and you’ve got your receipt, you should utilize the Cash Order Tracing/Refund request on the again of your cash order receipt. You can even go to Western Union’s Monitor a Switch web site.

Don’t submit your request for a replica till your cash order has been processed by the recipient—until you wish to cancel the cash order. The associated fee is $18, and the method might take round 30 days.

Once more, it’s finest in case you hold your receipt if you purchase a cash order. If you happen to don’t, Western Union costs $30 to analysis your cash order. You’ll be able to submit Western Union requests for refunds in individual, by mail, by fax, or by electronic mail.

Different Issuers

Many cash orders issued at grocery shops, comfort shops, and examine cashing shops are Western Union or MoneyGram cash orders. In case your cash order was issued by a company not already lined right here (comparable to your financial institution or credit score union), there’s nonetheless an excellent likelihood you can hint it. It’d even be simpler—particularly in case you financial institution at a small establishment. As an alternative of filling out kinds, a easy telephone name is likely to be all that’s wanted.

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Monitoring and Cashing Cash Orders You’ve got Acquired

If you happen to obtain a fee by cash order, your financial institution handles the logistics of processing the fee. You’ll be able to deposit the fee into your checking account identical to you’d deposit a examine, or money the cash order.

If you happen to’re involved {that a} cash order you acquired could also be fraudulent, contact the cash order issuer and talk about your issues. It could be doable to confirm funds on the fee or no less than discover out if it’s a recognized pretend.

Don’t spend the cash till you’re sure that the funds have cleared. The clearing course of can take a number of weeks, even when your financial institution’s funds availability coverage means that you can use the cash instantly. If you happen to use the funds and the cash order seems to be pretend, the financial institution would require you to repay the quantity.

Ideally, who you are coping with if you settle for fee by cash order. However cash orders make nameless funds doable, for higher or worse. It’s possible you’ll have to contain regulation enforcement officers in case you need assistance researching prison exercise (and they won’t be capable of assist).

Ceaselessly Requested Questions (FAQs)

How do you money a cash order?

Most of the locations that money checks additionally money cash orders, comparable to banks, credit score unions, and grocery shops. You will need to endorse the cash order and present ID, and you might have to pay a price.

How a lot is a cash order?

Cash order charges differ by firm and by the scale of the order, however they’re sometimes lower than $2 per $1,000 being despatched. For instance, USPS costs $1.30 for cash orders of as much as $500 and $1.75 for orders between $500 and $1,000.

How lengthy is a cash order good for?

Cash orders do not sometimes have an expiration date, so that they’re technically good ceaselessly, however there could also be charges imposed if a cash order is not cashed inside a sure time-frame.