We may earn a commission for purchases through links on our site at no cost to you, Learn more.
Does Dollar Tree Do Money Orders?
Many people have wondered, “Does Dollar Tree do money orders?” Unfortunately, the answer is no. Dollar Tree does not offer money orders as part of its services. Although Dollar Tree is known for its discount products, the store focuses on selling goods at low prices, rather than providing financial services like money orders.
In this article, we will explain why Dollar Tree doesn’t offer money orders and where you can go instead to get a money order. Let’s dive in.
Why Dollar Tree Doesn’t Offer Money Orders
Dollar Tree is primarily a discount retailer, with a strong focus on keeping costs low for its customers. The store sells various products, including household items, snacks, cleaning supplies, and more, all at a fixed price of $1.25. This pricing strategy makes it appealing for shoppers looking for affordable products.
However, offering financial services like money orders would require additional infrastructure and regulation. Money orders are a financial service that involves banks or other financial institutions, which have the necessary security measures in place to handle such transactions.
Since Dollar Tree’s business model is focused on products rather than financial services, it simply doesn’t offer money orders.
Where Can You Get Money Orders Instead?
Even though Dollar Tree doesn’t provide money orders, you have plenty of options to obtain one. Here are some common places where you can get a money order:
1. U.S. Postal Service (USPS)
One of the most reliable places to buy a money order is at the U.S. Postal Service. USPS locations offer money orders in various denominations, and the service is widely available across the United States. These money orders are convenient, secure, and accepted by most businesses.
Additionally, USPS money orders are backed by the U.S. government, making them a safe option for sending payments.
2. Banks
Many banks offer money orders to their customers. If you already have an account with a bank, you can easily purchase a money order at your branch. While fees may vary, they are generally straightforward, and the service is trusted by most people.
It’s also a good idea to check with your bank ahead of time to see if they offer this service and what their fees are.
3. Credit Unions
If you belong to a credit union, you may be able to get a money order from them. Credit unions often provide financial services at lower fees than traditional banks, making them a good option for money orders. Like banks, credit unions can provide you with a secure, reliable way to send money.
4. Supermarkets and Convenience Stores
Many larger supermarkets and convenience stores also offer money orders. Some popular retailers, like Walmart, offer money orders at their customer service desks. These locations typically charge lower fees for money orders compared to banks and credit unions, making them an attractive option if you need a money order quickly.
5. Check-Cashing Locations
Another option for purchasing a money order is check-cashing locations. These businesses specialize in offering financial services, including money orders. While fees at check-cashing locations may be higher than other options, they are convenient and can help if you don’t have a bank account.
How to Get a Money Order
Getting a money order is usually a simple process, but it’s helpful to know what to expect. Follow these steps to get a money order:
- Determine the Amount – Know the exact amount you want on the money order, as most locations will require you to pay the exact amount upfront.
- Choose Your Provider – Decide where you want to purchase the money order. Whether you choose USPS, a bank, or another location, make sure the provider is convenient and trustworthy.
- Provide Identification – Many locations will ask for identification, especially if you are buying a money order for a large amount. Bring a valid ID to ensure the process goes smoothly.
- Pay for the Money Order – You will need to pay for the money order in full, including any associated fees. Payment is often done by cash, debit card, or sometimes credit card.
- Keep the Receipt – Always keep the receipt or stub that comes with your money order. It’s a valuable record in case you need to track the payment or if there’s any issue with the transaction.
Fees for Money Orders
The cost of a money order varies depending on where you buy it. Typically, you can expect to pay anywhere from $1 to $5 for a money order, though some places may charge more. Here’s a breakdown of what to expect:
- USPS: Money orders at the U.S. Postal Service usually cost around $1.50 for amounts up to $500, and $2.10 for amounts between $500 and $1,000.
- Banks: Fees at banks typically range from $5 to $10, depending on the bank and the amount of the money order.
- Supermarkets and Convenience Stores: These locations generally charge between $0.50 and $2 for a money order, which can be much cheaper than other options.
- Check-Cashing Locations: These businesses may charge higher fees, sometimes up to $10 for a single money order.
Before purchasing, it’s a good idea to ask about the fees involved, as these can add up, especially if you need to buy several money orders.
Why Use a Money Order?
Money orders are a popular way to make payments for several reasons. They are secure, especially for people who don’t have access to a bank account or who need to send money without sharing personal banking information.
Money orders are also widely accepted, making them a convenient way to pay for services or send money to someone without the risk of bouncing a check.
Here are some common uses for money orders:
- Paying Bills: Many businesses and utilities accept money orders as a form of payment.
- Sending Money: Money orders are a safe way to send funds to someone, especially when you can’t or don’t want to use a personal check or bank transfer.
- Making Purchases: Some companies, especially those that deal with larger transactions, may accept money orders instead of credit or debit cards.
Alternatives to Money Orders
While money orders are a secure payment method, they are not the only option available. Depending on your needs, you may want to consider alternatives, such as:
- Cashier’s Checks: Like money orders, cashier’s checks are guaranteed by a bank and are often used for large transactions.
- Wire Transfers: For sending money quickly across long distances, wire transfers are a fast and secure option.
- Electronic Payments: Services like PayPal, Venmo, and Zelle allow you to send money digitally, often at no cost.
Each option has its own benefits and drawbacks, so it’s essential to choose the one that best fits your needs.
Frequently Asked Questions
Here are some of the related questions people also ask:
Can I get a money order at Walmart?
Yes, Walmart offers money orders at their customer service desk. They typically charge a small fee, usually between $0.70 and $1.00, depending on the amount of the money order.
Does CVS offer money orders?
No, CVS does not offer money orders. However, you can find other payment services at CVS, like Western Union, which allows you to send money.
How much does a money order cost at the U.S. Postal Service?
At USPS, a money order for amounts up to $500 costs $1.50, and for amounts between $500 and $1,000, it costs $2.10. Prices may vary slightly depending on location.
Can I use a credit card to buy a money order?
In most cases, you cannot use a credit card to purchase a money order, as they are usually limited to cash, debit card, or a bank account transfer. Some locations may allow a credit card, but fees might apply.
Are money orders safe to use?
Yes, money orders are generally safe to use. They are a secure form of payment because they are prepaid and guaranteed by the issuer, like a bank or the U.S. Postal Service.
Where can I cash a money order?
You can cash a money order at banks, credit unions, or places like check-cashing locations and some retail stores. Make sure to bring ID to verify your identity when cashing a money order.
How do I know if a money order is real?
To verify if a money order is real, look for security features like watermarks, perforations, and tracking numbers. If you’re unsure, you can contact the issuer, such as the U.S. Postal Service or your bank.
Can I get a money order at a gas station?
Some gas stations, particularly larger ones with convenience stores, may offer money orders. It’s best to call ahead and ask, as not all gas stations provide this service.
What’s the difference between a money order and a cashier’s check?
A money order is a prepaid payment method that can be purchased with cash, while a cashier’s check is issued by a bank and guaranteed by that bank. Cashier’s checks are typically used for larger amounts and carry a higher fee.
The Bottom Line
So, does Dollar Tree do money orders? No, Dollar Tree does not offer money orders. However, there are several other convenient and reliable places where you can purchase a money order, such as the U.S. Postal Service, banks, credit unions, supermarkets, and convenience stores.
Understanding where to go for a money order can save you time and ensure that you have a secure way to send or receive money when needed.
Whether you need a money order for personal or business purposes, you have plenty of options at your disposal. Just be sure to check fees and availability before making your purchase.