Publix Money Order Policy: The Ultimate Guide

publix money order

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Publix is a supermarket chain in southern states like Georgia, Alabama, North Carolina, and South Carolina.

This chain is popular for its quality store-brand products and fresh produce. Did you know it also offers money orders, cash transfers, check-cashing, and coin redemption?

You likely have the following questions if you’ve never purchased a money order at Publix.

  • What is the Publix money order policy?

  • How much does Publix charge for a money order?

You’ve come to the right place.

I wrote this guide to discuss Publix money orders, including the fees, policies, accepted payment methods, maximum limit, and more.

Let’s dive in.

What Is a Money Order? 

publix money order

Like a check, a money order is a non-cash paper payment. However, the difference between a money order and a check is that the former can’t bounce because it’s prepaid.

You must provide the recipient’s name and the issuing financial institution when purchasing money orders. Thus, they are generally safer than cash since only the payee can cash or deposit the printed amount. 

You can purchase money orders with cash, prepaid cards, and debit cards. Keep the receipt to track and recover funds if you lose your money order or someone steals it.

Uses and Benefits of Money Orders

Uses and Benefits of Money Orders

In a world of digital payment options, money orders may seem like an old-school way to send and receive money. Nevertheless, they still serve an essential function. 

Here are some benefits of money orders that make them ideal in specific situations despite the availability of modern payment options. 

  • They don’t contain your personal information, like your bank account or routing number, meaning there is minimal data breach and theft risk. 

  • They are safe alternatives to cash and checks because only the payee or recipient can cash the written amount. 

  • This payment method is ideal for making a one-time purchase. 

  • If you want physical proof of the exact amount for your purchase, money orders are an excellent payment option. 

  • If your money order gets lost or stolen, you can track and recover the funds if you have the receipt.

  • Recipients can get the money even though they don’t have bank accounts or digital wallets.

Can I Get a Money Order at Publix?

Can I Get a Money Order at Publix?

Does Publix do money orders? Yes, but with certain limitations.

Publix allows customers to purchase a money order, but they can’t cash or deposit it.

Furthermore, Publix stores don’t accept credit cards and checks as payments for money orders. 

Where To Get a Money Order at Publix Locations

Where To Get a Money Order at Publix Locations

Go to the customer service desk at your nearest Publix store and inform the representative you wish to purchase a money order. You can pay in cash or use a bank-linked or pre-paid debit card.

Types of Money Orders Publix Money Center Offers

Publix only offers Western Union money orders. This payment service provider is one of the leading companies offering reliable and secure money transfer services worldwide.

The Publix money-order service doesn’t work with the US Postal Service or financial institutions like MoneyGram.

Does Publix Cash Money Orders?

No. Publix only sells money orders. The recipients or payees cannot cash them here.

How To Fill Out a Publix Money Order

Here’s how to get a money order at Publix. 

  1. Put the recipient or payee’s name on the money order. 

  2. Put your name in the purchaser field and sign your name in the purchaser signature section.

  3. Add the amount number if it’s a bill. 

  4. Make sure to keep the receipt of your money order. 

How To Cash Money Orders

Publix locations don’t cash money orders. You can cash money orders at Walmart and your local post office (USPS money orders)

Follow this guide to cash a money order. 

  1. Go to a financial institution or retailer that cashes money orders. 

  2. Present the original copy of the money order to the teller. 

  3. Provide a government-issued ID.

  4. Sign the money order in front of the teller. 

  5. Receive the cash and get your receipt for the transaction. 

  6. If you’re depositing your money order, you must provide your account information to the teller.

Note: You must pay a fee to cash a money order at the non-issuing institution. 

How Much Is a Money Order at Publix?

The Publix money order fee is one of the most affordable in the US, costing between $0.89 ad $0.99.

By contrast, local banks and convenience stores like 7-Eleven charge up to $5 for each transaction.

What Payment Methods Does Publix Accept for Money Orders?

What Payment Methods Does Publix Accept for Money Orders?

Publix Money Services: Hours of Operation

The Publix money order hours at most stores are between 7 a.m. and 10 p.m. 

Do Publix Money Orders Have an Expiration Date?

A money order purchased at Publix doesn’t have an expiration date. You can cash or deposit Publix money orders no matter how old. However, the issuers may apply monthly fees if the fund goes uncashed for over a year. 

For example, Western Union deducts around $2 monthly from the principal amount after the first year a money order goes uncashed.

US Postal money orders are an exception. They never lose value, and the USPS doesn’t charge a service for each month after the first year has passed. You will always get the exact amount printed on the money order. 

Does Publix Refund Money Orders?

No. Publix doesn’t offer refunds for money orders because its financial partner, Western Union, processes them. You must contact Western Union to start the refund process. 

Note: Western Union charges a processing fee of at least $15 for customers requesting a refund. 

What Is the Publix Money Order Limit?

The Publix money-order maximum is $500. If you need a money order over $500, you must buy multiple money orders.

For example, a money order amount of $1,500 means you must buy three. 

Meanwhile, the US Postal Service, retailers, and local banks cap their money orders at $1,000.

Fortunately, there is no limit on the number of money orders you can purchase at Publix. You can buy as many $500 money orders as you need.

How To Track Public Money Orders

You can track the money order you purchase at Publix by calling the Wester Union phone number on the receipt. 

Provide the payment service company with the 11-digital money order code to know where it is and whether the recipient has already cashed or deposited it. 

Other Financial Services Publix Offers

Aside from offering money orders through their partner Western Union, the supermarket chain also cashes personal and payroll checks for a fee. 

You just need to provide the store with a valid ID, such as a passport, a driver’s license, a military ID, or other government-issued ID. 

However, Publix does not accept tax return checks, utility deposit checks, insurance settlements, and rebate checks. 

Other Places That Sell Money Orders

Aside from Publix, you can also purchase money orders from Walmart, Kroger, Walgreens, and 7-Eleven. Some pharmacies and grocery stores also offer this financial service. 

Here are the other institutions that sell money orders.

  • The United States Postal Service

  • Some retail banks

  • Check-cashing and payday loan stores

Frequently Asked Questions (FAQs)

FAQ

Is a Money Order Available Immediately?

Money orders usually reach the recipient or payee in a couple of days. However, sending them during a weekend or holiday may take longer. 

You can also check the status of your money order online. 

Keep the receipt where you can see the money order’s serial number, issued amount, and other details you need to check its status online. 

Does Publix Accept Credit Cards for Money Orders?

No. Publix does not accept credit cards as a payment method for money orders.

Does Publix Do Western Union?

Yes. You can purchase a Western Union money order at Publix.

Does Publix Do Western Union?

Does Publix Do MoneyGram?

No. Currently, the company does not work with any payment service provider other than Western Union.

Does Publix Accept Checks for Money Orders?

No. You cannot purchase money orders at Publix store locations using a check. You can pay for your money order with cash or a debit card (including a prepaid debit card).

Does Publix Cash Payroll Checks?

Yes. Publix stores cash payroll checks. However, ensure you bring a government-issued ID with you. 

Does Publix Cash Personal Checks?

Yes. Publix cashes personal checks.

Your nearest Publix location can be an excellent place to cash checks after hours since some locations are open as late as 10 p.m.  

Does Publix Cash Stimulus Checks?

Yes. Publix stores cash government-issued checks, including stimulus checks.

Does Publix Accept Cashiers Checks?

Yes. However, Publix cashiers check comes with a fee.

Where Is the Cheapest Place To Get a Money Order?

The Publix money-order cost is one of the cheapest in the industry. While many big-box retailers, supermarket stores, and banks charge $1.5 to $5 per transaction, Publix store only charges $0.88-$0.99.

The Bottom Line

I hope my guide helped you understand Publix’s money order policy and gave you all the info you need to buy a money order at this southern supermarket chain easily.

If you’re interested in money orders from other stores, consider buying a money order at CVS.

Written by: Omar Deryan

Founder of OJ Digital Solutions

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