Money orders are a guaranteed method of payment because they cannot bounce. Money orders can also be purchased using cash or debit cards.

The simplest way to receive money orders is to go to a retail store; however, almost all banks provide this service in exchange for a modest fee.

PNC Bank specializes in loans, credit systems, and banking solutions. It now has over 2,945 branches and 9,051 ATMs all across the country.

Does PNC Do Money Orders?

PNC Bank offers money orders in addition to day-to-day banking solutions. The charge for a standard checking account is $5, and it is free for a pro account. There is no upper limit to a money order and you can purchase it at any PNC bank branch.

PNC offers around 2900+ branches in the United States from which you can choose any for your money order. You may find your nearest PNC branch by visiting their website.

PNC Bank Money Order Fee

On average, a PNC money order costs $5. However, the costs vary depending on your account type. Hence, we have mentioned a table below where you can check the cost.

Account Type	Fees($)
Virtual Wallet Checking Pro (Growth & Spend)	$0
Virtual Wallet Checking Pro (Spend)	$5
Virtual Wallet Student	$5

These charges appear excessive when compared to retail enterprises such as Walmart, which offers money orders for as little as 88 cents.

If you travel to the USPS or a Western Union branch, however, you will be charged $8-10.50. Furthermore, the price may vary from one location to the next.

As a result, before going directly to the banking institution, we recommend that you properly review the money order fees.

Money Orders Limits

There have lately been certain IRS re-regulations regarding money orders. As a result, the maximum limit for domestic and international money orders for PNC customers is $1,000 and $700, respectively.

	Amount Limit	Quantity Limit	Cost	Limit Before Reporting To IRS
Domestic Money Orders	$1,000	Unlimited	$0 – $5	$10,000
International Money Orders	$700	Unlimited	$0 – $5	$10,000

PNC, on the other hand, permits you to obtain an infinite number of money orders. There is no maximum limit. Furthermore, depending on the type of checking account, the charge ranges from $0 to $5.

If you need more than $1,000 in money orders, say $2,000, you’ll need to get $1,000 worth of two money orders.

Furthermore, if a business receives money orders totaling $10,000 (multiple money orders), the bank is obligated by the IRS to report it.

So, how do you buy a money order at PNC?

How to Buy Money Order

Money orders can be purchased at a variety of locations. You can obtain it at PNC bank branches, the post office, or retail and supermarket establishments that offer Western Union or MoneyGram services.

To fill out a money order, follow these steps:

• Fill out the recipient’s name and address. This information should be filled into the “pay to” section. This you should do immediately as in case of a stolen money order, someone can easily cash it.
• Next fill in your name and address. Usually, this section is labeled as “purchaser” or “sender.”
• You can also fill in some important info in the memo line. This can include an important note or an account number.
• Lastly, sign the money order (in the front). You should sign where it says “purchaser’s signature”. Do not sign the back of the money order unless it’s to yourself.

If you are purchasing the money order from a store, then you can make payment by cash or debit card. But, if you are purchasing the money order from a PNC bank branch, the amount would be deducted from your checking account.

So, now that you have bought a money order, how can you track it?

How To Track Your Money Order

There are 2 methods to track a PNC money order, and this depends on the purchase procedure. If you have purchased the money order from a PNC bank branch, then you just need to submit a form at the helpdesk to know the status.

However, if you have purchased from any retail or convenience store with Western Union or MoneyGram support, you can do either of the three:

• Submit an Online Form. For MoneyGram: link, and for Western Union: link.
• Call the Customer Care. For MoneyGram: 1-800-926-9400, and for Western Union: 1-800-999-9660.
• Or, you can visit the nearest MoneyGram or Western Union location.

Also, keep in mind that Western Union can charge up to $15 as administrative fees.

No International Money Orders

PNC does not sell international money orders. So, if you are looking to purchase international money orders, Wells Fargo or Chase would be a viable option.

Now, let’s see how you can cash your money orders.

Cashing Money Orders

You can cash your PNC money order at any branch or even through the mobile app. Also, you can deposit the money order into your checking account.

However, once at the bank, just make sure to sign the back of your money order and carry a valid ID proof with you. Also, there would be some transaction fee in case of a dormant money order.

Money Order Refund

PNC money orders can be refunded until they are cashed or deposited. You can also do it at any branch location.

All you have to do is bring your money order and a refund/replacement/cancellation form with you. The procedure is time-consuming and is subject to administrative expenses.

Also, if someone else cashed out your money order, you can report it to the bank or the authorities with the necessary documentation.