Money Orders at Walmart: How Much?

Updated on December 27, 2016

A Money Order at Walmart Costs 70 Cents

After changing my banking habits a few years ago and closing my checking account, I have become masterful at the art of using money orders to pay my bills: money orders that I usually purchase at Walmart (although once in a while I will use a check cashing center).

Some people might think what a hassle!! For me though using money orders has made my life simpler and more hassle-free. I don't use a bank at all anymore and all my transactions are either cash or money orders. I even have my paycheck automatically put on another up-loadable money card through my work - so I don't have to cash my paycheck either.

Why did I change my financial habits and desert traditional banking? One simple answer: excessive bank service charges. After having a business and personal checking account for many years, I found out that the cost of maintaining, tracking transactions and paying service charges was becoming a feat in itself. I got tired of fighting with the bank over checks that didn't post, or were not put in my account right away - and charges associated with my supposedly "free" checking account.

Now maybe if you are a totally responsible numbers person and you religiously check your accounts, checking accounts will work well for you. But for me, keeping track was an absolute nightmare. Hence my crossover to using money orders at Walmart.

Money Orders Are Like Cash (but With a Receipt)

So exactly how much are money orders from Walmart anyway?

A flat 70 cents.

I use about five to ten a month, so I end up paying $3.00 - $ 6.00 a month for money orders—a lot less than one $35 bank service chargeand of course the stamp to mail the money order—or none if I'm dropping it off to pay a bill locally. A money order works just like cash, except you keep your receipt stub to verify that you bought it. And always keep and file your receipt! I once did a money order for over $4,000 that actually got lost in the mail. It was never recovered but I was able to get a replacement one and canceled the lost money order (which would have been the same if I would have had to cancel a check)

I use Walmart money orders for many things; I have to buy them for my job as a photographer and I also use them for the mortgage and for bills. As for standing in line to get them it's no big deal - I purchase them when I go to buy cat food or staples at Walmart. The lines are no longer than lines I would stand in at a bank and sometimes I don't have to wait at all.

Poll on Checking Accounts and Money Orders

Would you consider using money orders instead of checks?

See results

Using Money Orders to Budget Yourself

Many people are rethinking the way they do money now, with bank closures and the economy on very shaky ground. Buying money orders can save you a lot of money, time and hassle vs. your traditional checking account. I may one day find the need for a checking account again, but for now getting money orders from Walmart works great for me. It helps me track my finances better, saves me money in the long run, and forces me to be more responsible with my money (something I'm still working on). It also helps me to think more about how to live frugally and plan a budget, another thing that I'm working on.

In these days many of us are looking at better ways to save money—and money orders from Walmart are one way I'm saving money today. Bank service charges are a thing of the past for me! Happy budgeting!

Questions & Answers

    Comments

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    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      5 years ago from The San Francisco Bay Area

      Thanks Rebecca for that info. That's very good to know.

    • profile image

      Rebecca 

      6 years ago

      One bad thing about Walmart money orders is if it gets lost, you have to pay $15.00 to get it researched. Then if the money order is cashed, they will send you a copy. If not, they will send a refund BUT it can take 30-65 days to process. I would research the company you buy the refunds from. This particular Walmart had MoneyGram money orders. Their website it www.moneygram.com They said they charge due to administration cost and such...blah, blah, blah. So, you pay cheap up front and lose if it gets lost

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      6 years ago from The San Francisco Bay Area

      Thank you Rhonda for that info. I never even knew that Walmart had free money orders in some areas!

    • profile image

      Rhonda 

      6 years ago

      Money Orders use to be Free at Walmart here in the state of Florida now I guess they are charging 60 cents for them. I will be going to Amostate for my money orders they are free

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      6 years ago from The San Francisco Bay Area

      Thank you alfonso for that information.

    • profile image

      alfonso 

      6 years ago

      $3000.00 is ok for one money order

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      6 years ago from The San Francisco Bay Area

      YW Felicia. Money orders are a great way to get a handle on your finances:)

    • profile image

      Felicia Davis 

      6 years ago

      Thanks everyone for the advice, my husband and I are really considering using money orders instead of checks. It makes perfect sense, when you write a check you have to keep checking online to make sure it posts to the account. I now for me I write a check, and sometimes I forget I wrote and it post to the account days later.

    • profile image

      st@R 

      7 years ago

      like that gift card

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      Denise) Good idea to use credit unions! Great money saver and yes, very good idea to give money orders to grads and as gifts.

      Thanks for coming by.

    • Denise Handlon profile image

      Denise Handlon 

      7 years ago from North Carolina

      Interesting hub. I have used money orders, but also have a credit union acct. I get free m.o. from my c.u. This way, when sending money to grads or as gifts I don't have the hassle of 'waiting' for those checks to post from out of state.

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      Robert) What a wonderful idea! Thanks for sharing and stopping by to read!

    • profile image

      Robert 

      7 years ago

      I also use money orders but for different reasons then bill paying! I save money throughout the year this way! Whether its 100 bucks or 800 bucks i get a m.o and write it to me from me.If you want to buy something silly and not needed you are less inclined to cash a m.o.Do this for a year or two and you will have something special.I use usps money orders given that they do not expire!EVER

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      PeeDee) I agree. The recession/depression will change many of the ways that people have previously dealt with money.

      Thanks for reading.

    • profile image

      ThePeeDeeWildcat 

      7 years ago from Just Across The State Line

      Nice Hub! I think that the current recession/depression is leaving mental scar tissue on Americans that may begin to rival the marks left on people who endured the Great Depression. We all need to follow sound advice nowadays on better money management.

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      TY Lilly!

    • LillyGrillzit profile image

      Lori J Latimer 

      7 years ago from The River Valley, Arkansas

      Excellent advice and well researched by experience. Thank you for sharing!

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      Lissie) Nice to see you drop by. I can't stand bank practices. I'm not sure of the exact number but someone told me 85% of banks revenue come from service charges. Glad to know you avoid them too!

      saddlerider) Credit Unions are great. The only drawback for me is the hours (sometimes I'm getting money orders at 8:00 at night,lol) Thanks for reading and the comment.

      Amanda) That was a problem for me, keeping in the black. Several times I got a $35 service charge for overdrawing my account by only pennies. That really ticked me off!!

    • Amanda Severn profile image

      Amanda Severn 

      7 years ago from UK

      I think banks in the UK are possibly more hassle free than in the States. I've never had to pay for my cheques, my standing orders or my direct debits. All those transactions are free on a personal banking account so long as you stay in the black. I would definitely consider using money orders if bank charges were being levied as you describe, but I've no idea where I'd get them from!

    • saddlerider1 profile image

      saddlerider1 

      7 years ago

      Thank you for this excellent share. I rarely purchase a money order, but when I do they are free at my credit union account, however nice to know about the Walmart offering. I do buy a lot of other things from Walmart like a pair of black sweats for only $10 the most comfortable ones I've ever owned for so cheap. LOL

    • Lissie profile image

      Elisabeth Sowerbutts 

      7 years ago from New Zealand

      I rarely write a check - and I don't think I have ever used a money order. Everything is paid electronically direct out of my account - for which I pay - zero, nada nothing. OK I pay to set up a new payee which only happens when I getting pissed with my power company or teleco and change over - but daytoday payments - I pay nothing. Almost everything else goes on the CC - which i pay off on time and get a free trip to Australia every year on the airmiles. I am a bank's nightmare customer and proud!

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      hello,hello) TY

      DeBorrah) I've found Walmart is great for many things

      Nancy) All those "cents" add up, don't they!

    • profile image

      Nancy's Niche 

      7 years ago

      I have been saving money---on money orders---through Wal Mart for quite some time now. 60¢ compared to $1.05 adds up over the year. Great tips!

    • DeBorrah K. Ogans profile image

      DeBorrah K Ogans 

      7 years ago

      Dorsi, Wonderful & wise! I agree Walmart is great for money orders... Thank you for sharing, Peace & Blessings!

    • Hello, hello, profile image

      Hello, hello, 

      7 years ago from London, UK

      Well researched and good tips.

    • Dorsi profile imageAUTHOR

      Dorsi Diaz 

      7 years ago from The San Francisco Bay Area

      Good idea Daddy Paul! Free is Good!

    • Daddy Paul profile image

      Daddy Paul 

      7 years ago from Michigan

      Good points. Money orders at my CU are free.

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