Bank of America sells money orders at most branches, but not all locations carry them and the process differs from other banks

Bank of America offers money orders through its branch network, though availability and pricing vary by location. Not every branch stocks them — smaller branches or those in rural areas may not carry them at all. You will need to visit a branch in person with cash or a debit card, and the teller will issue the money order on the spot. The fee is typically $5 to $10 per money order, though this can change by state and branch.

The main limitation is that Bank of America does not sell money orders online or by mail. You cannot order them through your account or have them shipped to you. If your nearest branch does not carry them, you will need to use a different provider — the Post Office, Walmart, Western Union, or another bank.

Key Takeaways

  • Bank of America sells money orders at most branches during business hours, but you must visit in person with cash or a debit card.
  • The fee ranges from $5 to $10 per money order depending on your state and the specific branch location.
  • Not all Bank of America branches carry money orders, so call ahead to confirm your branch has them before you go.
  • You cannot order money orders online, by phone, or by mail through Bank of America — branch visits are the only option.

What you need to bring to a Bank of America branch

Bring either cash or your Bank of America debit card. You do not need a Bank of America account to buy a money order there — the teller will accept cash from non-customers. Bring a valid photo ID as well, since the teller will need to verify your identity before issuing the money order.

You should also know the exact amount you need. The teller will write the amount on the money order, and you cannot change it once it is issued. If you need multiple money orders for different amounts, tell the teller upfront so they can prepare them all at once.

How the transaction works at the counter

Walk into your nearest Bank of America branch during business hours and tell the teller you want to buy a money order. The teller will ask you for the amount and the name of the person or business the money order should be made out to. You will also provide your own name as the purchaser (the person buying it).

The teller will then collect payment — either cash or charge your debit card — plus the fee. Most branches charge between $5 and $10, though you should confirm the exact fee when you call to verify they have money orders in stock. The teller will hand you the completed money order, and you can take it with you when ready. There is no waiting period.

Calling ahead to confirm availability

Before you travel to a branch, call the location directly and ask whether they sell money orders. The main Bank of America customer service line can transfer you to your local branch, or you can search for your nearest branch on their website and call that number directly. Ask specifically: "Do you have money orders available today?" and "What is your fee?"

Some branches run out of stock, especially on Fridays or near the end of the month. If your branch does not have them, the representative can tell you which nearby branches do. This one phone call will save you a wasted trip.

When Bank of America money orders make sense versus other options

Bank of America is a reasonable choice if you already have an account there and a branch is convenient to you. The fee is competitive with other banks, and you get the money order when ready. However, if you do not have a Bank of America account or your nearest branch is far away, other options may be faster or cheaper.

The U.S. Postal Service charges $1.45 to $2.00 per money order and has far more locations than any bank — there are post offices in most towns. Walmart charges $0.88 to $1.25 and is open longer hours than most banks. Western Union charges $1.00 to $1.50 and operates at many grocery stores and pharmacies. If you need a money order urgently or want to minimize the fee, compare these options against your nearest Bank of America branch before you decide.

What happens if your branch does not carry money orders

If you call ahead and learn your branch does not stock money orders, you have two paths. First, ask the representative which other Bank of America branches nearby do carry them — you may be able to visit a different location. Second, use a different provider entirely. The Post Office is usually the most reliable backup since post offices are widespread and their fees are low.

Do not assume that because one branch does not have money orders, no Bank of America location will. Call a few branches in your area before you give up on the bank option.

Fees and limits you should know

Bank of America charges $5 to $10 per money order, though the exact amount depends on your state and branch. Some states regulate money order fees, so the fee may be lower in your state than in others. There is no limit on how many money orders you can buy in one transaction, but each one carries its own fee.

Money orders themselves have a maximum amount they can be written for. Most money orders cap out at $1,000, though some issuers allow up to $2,500. If you need to send more than that, you will need to buy multiple money orders or use a different payment method like a cashier's check or bank transfer.

Frequently Asked Questions

Can I buy a Bank of America money order without an account?

Yes. Bank of America sells money orders to anyone with cash and a valid photo ID, regardless of whether you have an account. Non-customers pay the same fee as account holders.

What if I make a mistake on the money order?

Once the teller issues a money order, you cannot change it. If you realize there is an error, ask the teller when ready — some branches will void it and issue a replacement, though this may take a few minutes. Never try to cross out or alter a money order yourself.

How long does a Bank of America money order take to clear?

Money orders are treated like cash by most recipients and clear within one to three business days, depending on where it is deposited. Some recipients treat them as checks and may hold them longer. Ask the recipient how they will process it if timing is critical.

Can I cancel a money order after I buy it?

Yes, but only if you have not given it to anyone. Return to the branch with the money order and your receipt, and the teller can refund your payment minus a small cancellation fee. If you have already mailed it or given it away, you cannot cancel it.

What if I lose a Bank of America money order?

Contact the branch where you bought it as soon as possible with your receipt. They can file a claim to stop payment and issue a replacement, though this process takes time and requires proof you did not receive the funds. Keep your receipt in case this happens.