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Domestic money orders never expire and they do not accrue interest. Money orders are cashed for the exact amount on the order. You can cash a USPS money order at a Post Office for free. You can also cash them at most banks and some stores.
Download the Money Order Research Request form and print it. Enter the details and then notarize the form. Send the notarized form, including the required documents* showing you as a purchaser, by email to RMO@westernunion.com or by fax at 1-720-865-0477.
You may be able to cash your money order at banks and other retailers (grocery stores, check-cashing locations or other stores where you've been able to cash checks in the past). In some circumstances, the bank or retailer may charge you to cash your money order.
On your Western Union money order record stub, you should see an 11-digit serial number on the upper right corner. Enter this serial number when prompted, and the automated help line will let you know the status of your money order. You'll be able to find out if your money order has been cashed by the recipient.
If the money order has been cashed, the issuer will not replace it or refund the purchase amount. Your best bet at that point is to request a copy of the signed, cashed money order from the location that cashed it. Contact local law enforcement and provide them with the copy so they can begin an investigation.
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If the money order has been cashed, you won't be able to get a refund, but you can request the details of who cashed it and where, so you can take the details to the police. If they can locate the person who cashed it, you might be able to get your money back.
To cash a money order, you'll need to first endorse it by signing your name on the back. You will also need to provide identification no matter where you're cashing your money order. If you don't have any ID, you can endorse the money order to someone else, like a sibling or friend, who does have an ID.
You can also cash a money order at the US Post Office. The fee is $1.25 to cash a money order of up to $500, and $1.7 for one up to $1,000. Other places where you can cash a money order include Western Union, MoneyGram, Walmart, Kroger, and check cashing services.
No, money orders do not have an expiration date. However, depending on the state of purchase, if you do not use or cash the money order within 1-3 years of the purchase date, a non-refundable service charge will be deducted from the principal amount according to the terms conditions of the money order.
Many money order providers and cashiers won't let you correct the mistake yourself. Changing information on the completed money order will make the order ineligible for cashing; the official policy is that money orders must be canceled and/or refunded if there is a mistake.

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