Does Western Union Offer Cashier’s Checks?

You cannot get a cashier’s check directly from Western Union. However, it offers money orders that you can use as convenient alternatives to a cashier’s check.

Let us guide you on where to get a cashier’s check, what your alternatives at Western Union are to a cashier’s check, and how you should use these payment instruments.

Does Western Union Offer Cashier’s Checks?

No, Western Union does not offer a cashier’s check service to its customers. Although it is the leading money transfer brand in the world, it does not offer cashier’s checks.

You’ll have to look at alternative places for a cashier’s check other than Western Union (WU) unfortunately. Alternatively, you can use some of the other available options for a money transfer at Western Union.

The closest alternative to getting a cashier’s check at Western Union is a money order. It is also a secured form of payment and you can use it anywhere for payments to individuals or businesses alike.

Alternatives to Cashier’s Checks at Western Union

The most suitable option for you to get an alternative to a cashier’s check is a money order at Western Union.

A money order works similarly to a cashier’s check and serves the same benefits. You can use it where cash payments or money transfer is not viable option for you or the receiver.

You do not need a bank account to buy a money order from Western Union. In fact, it is a convenient option for customers with no bank account.

So, you can walk into a WU branch and ask for the application form. You can pay by cash or credit card.

Please note that not all branches of WU offer money order services. Also, not all branches will accept a credit card for a money order or any other form of payment.

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Like other money transfer options at WU, the price of money orders will vary depending on the amount and the receiver’s location.

How to Fill a Money Order Form at Western Union? A Step-by-Step Guide

You cannot purchase a money order from Western Union online. So, you’ll need to visit a participating branch to buy one.

You can pay by cash or a debit card at any WU branch. Some branches may also accept credit card payments from customers.

Follow these simple steps to fill out the money order purchase form at Western Union.

  • The first step is to write the receiver’s full name on the money order application form. Make sure the account title matches the name of the receiver as shown on a legal identity document.
  • The second step is to write the payer’s information. Fill in the necessary details like your full name, contact number, and complete address.
  • Then, write out the amount of the money order correctly.
  • Review the form and sign it on the front side.
  • The next step is to pay the money order amount to the cashier by cash or a debit card.
  • You’ll then receive the money order with a detachable receipt.

You can use the money receipt to track the money transfer and find out when and where the money order has been cashed.

Money Transfer Options at Western Union

Western Union is a quick and reliable money transfer service provider globally. You can send and receive money in seconds using its services.

You’ve got three options to send or receive money through Western Union.

The first method is to visit a WU branch and pay by cash. You do not need to register or provide account details using this method. It is the quickest and most convenient way of transferring money through Western Union.

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The second option is to use the online WU account services. You’ll first need to register with WU and verify the account. Once your account is ready, you can use a debit card to send money online every time.

The third option is to use the WU mobile app. You can follow the same process to use the WU mobile app as you do for its online services.

In most countries, money transfers are available for both local and international destinations.

Can You Cash a Money Order or Cashier’s Check at Western Union?

You can cash a money order or cashier’s check at selective Western Union branches. As WU is a money transfer service primarily, it does not offer a check cashing service regularly.

If you received a WU money order from someone, you can deposit it into a bank account through the mobile app or ATM as well. Many retail outlets like Walmart and Target also offer to check cashing services through their financial service partners.

As WU does not directly offer a check cashing service, it may take longer than normal to cash a regular or cashier’s check there. Also, most WU branches and counters would not accept a check cashing service.

How to Get a Money Order Refund at Western Union?

Getting a money order refund from Western Union is a lengthy process. You may have to wait up to 8 weeks to get a refund if you lost the original money order.

If you have the original money order, then follow these steps:

  • Open the browser and locate this money order refund form first.
  • Fill out the details about the money order and your personal details in the form.
  • Tick the terms and conditions box to confirm and submit the form.
  • Keep your application tracking number with you for a follow-up.
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The refund when you have the original money order takes up to 30 days. WU will deduct $30 from the money order amount.

If you lost the original money order then you’ll need to submit the “money order research request form” Instead. You must download this form and notarize it.

This is your affidavit to show that the original money order is lost or stolen and hasn’t been cashed yet. However, this process takes up to 8 weeks for a refund.

Alternative Places to Get a Cashier’s Check

A cashier’s check is usually issued by banks or credit unions. Some branded retail outlets like Walmart arrange facilities to get a cashier’s check too.

You can visit a bank branch or a credit union nearby to get a cashier’s check instantly. The average fee for a cashier’s check is $10 when paying in cash.

Many banks offer a cashier’s check for free to their account holders. You should pay through the account when obtaining this facility.

Alternatively, you can use the internet or mobile banking for your bank account to order a cashier’s check and get it delivered to your home address instead.

Please note that ordering a cashier’s check by mail takes longer than getting it over the counter from a bank. Usually, a bank will take 3-5 business days to send the cashier’s check to your registered mailing address.