Damaged Money Orders: How & Where to Cash Them

Got a damaged money order? Don’t let tears or stains hold up your funds. We explain when you can cash a damaged money order, how to request a replacement, and where to go for help.

   

What Qualifies as a “Damaged” Money Order?

A money order may be considered damaged if:

  • It’s torn, with missing corners or pieces.
  • It’s stained (ink bleed, water damage) obscuring key details.
  • Serial numbers or payee fields are illegible.
  • Sections are defaced or accidentally written over.

Note: Minor creases or folds are usually acceptable at most cashing locations.

Can You Cash a Damaged Money Order?

  • USPS Money Orders: The U.S. Postal Service will cash or reissue damaged USPS money orders if you bring both the money order and your receipt (stub) to a post office.
  • Bank-Issued Money Orders: Visit the issuing bank (e.g., Wells Fargo, Chase) with the original money order and receipt. They may cash or replace it per their damage policy.
  • Retailer Money Orders (e.g., Western Union, MoneyGram): Bring the damaged order and receipt to any agent location; they’ll verify serial numbers and usually issue a new order or cash it.

How to Request a Replacement or Cash a Damaged Order

  1. Locate Your Receipt (Stub): This contains the serial number needed for verification.
  2. Visit the Issuer: Go to the post office, bank branch, or MoneyGram/Western Union agent that issued the order.
  3. Explain the Damage: Describe how it occurred and present both pieces (if torn).
  4. Provide ID: Bring a government‑issued photo ID for security.
  5. Pay a Small Fee: Issuers often charge $3 – $5 for reissue services.
  6. Receive Funds or Replacement: You’ll either get the cash value or a new, undamaged money order.

When to File a Claim

If the issuer cannot verify the money order’s legitimacy or if it’s missing entirely, you may need to file a claim:

  • USPS Claim: Use PS Form 6401 (“Money Order Inquiry”). Expect 2 – 4 weeks for resolution.
  • MoneyGram Claim: File online or at an agent location; typical processing takes 7–10 days.
  • Western Union Claim: Submit a “Money Order Inquiry” form; resolution in 10–15 business days.

Tips for Avoiding Future Damage

  • Store Safely: Keep money orders flat in an envelope or plastic sleeve.
  • Handle Carefully: Sign and fill out only designated fields.
  • Avoid Moisture: Don’t leave near liquids or high‑humidity areas.
  • Photocopy Receipt: Keep a digital copy of your stub in your phone.

Related Posts