How to Check If a Postal Money Order Has Been Cashed

A postal money order serves as a secure and reliable payment method, often used as an alternative to cash or personal checks. These instruments are purchased upfront for a specific amount, making them a guaranteed form of payment that cannot bounce. People commonly use them for various transactions, such as paying bills, sending money to individuals without bank accounts, or ensuring proof of payment for important transactions. Determining whether a postal money order has been cashed provides confirmation of receipt, offers peace of mind, and can help resolve payment disputes.

Gathering Necessary Information

Before initiating an inquiry into a postal money order’s status, gather specific details. The primary document needed is the customer receipt. This receipt contains the money order’s serial number, a unique 10- or 11-digit identifier located on the top left of the money order and also on the receipt.

The Post Office number where the money order was purchased is required, found on the top right of the money order. The exact dollar amount of the money order is also a critical piece of information. Having these three details—the serial number, Post Office number, and exact amount—available will streamline the inquiry process.

Methods for Status Inquiry

Several methods are available to check the status of a postal money order. The most common and convenient approach is often through an online tool provided by the issuing postal service. The United States Postal Service (USPS) offers an online application where you can input the serial number, Post Office number, and dollar amount to ascertain the money order’s status. This online tool is accessible directly through the USPS website.

Another method involves a phone inquiry. General USPS customer service lines, such as 1-800-ASK-USPS (1-800-275-8777), can provide guidance or direct you to the appropriate channel. When calling, be prepared to provide the money order details to the representative. A Money Order Verification System is available at 1-866-459-7822 to validate the issuance of a money order.

A third method involves submitting a formal request by mail or in person at a Post Office location. This typically requires completing PS Form 6401, known as the Money Order Inquiry form. This form can be obtained at any Post Office and must be filled out with the money order’s serial number, amount, and purchase date. A fee of $5.20 to $5.95 is required for each inquiry submitted via PS Form 6401.

Interpreting Status and Taking Action

Once an inquiry is made, the money order’s status will typically be reported as “cashed,” “not cashed,” or “inquiry pending.” If the status indicates the money order has been cashed, this confirms the recipient has successfully received and redeemed the funds. If further proof is needed, you can often obtain a copy of the cashed money order, which will show who cashed it. This copy is usually provided after filing PS Form 6401 and paying the inquiry fee.

If the money order is reported as “not cashed” or “lost/stolen,” it implies the funds have not yet been redeemed by the payee. For a lost or stolen money order, you cannot stop payment, but it can be replaced. To initiate a trace or claim for a refund, you must file PS Form 6401. There is a processing fee for this service, typically $21.00 for a replacement. The investigation process can take 30 to 60 days to confirm the loss or theft. A replacement money order will be issued if the original has not been paid after this period.