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Protect Yourself with Money Transfers

Digital money transfers are easier than ever today. All you need is an account and routing number and you can send almost any amount of money, anywhere in the world in just a few minutes. It’s an incredible concept when you consider that a decade ago, you had to wait for a check to arrive in the mail. It’s even more amazing to consider that a little over a century ago, Wells Fargo was sending money cross country by coach. Digital money makes getting your money to the right places in a timely fashion.

There is a small charge for the transfer that will be provided at the time of transfer, but it is a small price to pay for the convenience of crossing thousands of miles in the blink of an eye. The people that need money will get it without delay and you can feel confident in the assurance that you have protected your bank account information.

Sometimes it’s appropriate to give your account and routing numbers to places that will continually send you money, i.e. employers. But for one time transactions, you want to keep this sensitive information close to the chest. Money transfers through places like Check City, via Western Union, make it possible to send your money anywhere around the world. All the recipient needs is a valid photo ID and the confirmation number the sender gets at the time of transfer, which can be given over phone or email almost instantly.

With that in mind, it is never a good idea to give your personal identification information out to just anyone just for a convenient product or opportunity. These things define who you are to agencies, employers and your country. If fraudulently used, it could ruin you in the eyes of society and financially, even though you are free of guilt. Protect these confidential areas of your life as much as you can.

Filling Out A Money Order Properly

money order
 

 
A money order is a great way to ensure that you are able to make a secure payment. But there are still a lot of people that have a hard time understanding how valuable a money order can be. In our blog post today, we’ll go over the 5 main fields that you’ll need to fill out on a money order.
 

What is a Money Order?

Money orders can also be referred to as a moneygram or a Western Union money order. Money orders are like a certified check or cashier’s check. Instead of writing out your own personal check, you can buy a money order at a place like Check City who has Western Union and they’ll write the check.

This secure, prepaid check can then be used to make secure payments, or send money to someone. A money order is a great way to ensure that you are able to make a secure payment. It’s also a way to use the security of a check to pay for something without having to wait for the payee to deposit the check later.

A money order is also more secure than sending or delivering cash. Like a check it names a specific recipient so no one can just take it and run because that person will have to endorse the money order (check) and show ID to prove that it’s really them who is supposed to receive it.

Money orders are commonly used to send funds rather than doing a digital money transfer, or sending cash or checks in the mail. Money orders are even more secure than personal checks because a personal check will have your account number on them. This is fine for some payments, but sometimes you’ll want to keep your payments more separate from your personal accounts.

How Do I Fill Out a Money Order?

When you need a money order you should make sure you know how to fill it out properly. Filling out the money order properly will ensure that you are able to make a secure payment via a money order without any hang ups from filling it out wrong. The way you fill out a money order is very similar to how you fill out a check. Below we will go over each of the 5 main fields you’ll need to fill out in order to fill out your money order properly:
 
money order example
 

Field #1: PAY TO THE ORDER OF

First, you have to get the money order. You can do money orders anywhere there is a Western Union. After you have your money order, you will want to write the name of the person or company that you wish to pay on the line that is labeled “Payee” or “Pay to the order of.”

Field #2: PAYMENT FOR/ACCT.#

Some money orders will also include this section. If you have a specific account that you want credited for the payment then you’ll want to put that information here. Filling out this section will ensure that, when using money orders to pay your bills, the proper accounts get accredited.

Field #3: PURCHASER’S ADDRESS

You are the purchaser that the money order form is referring to on this line. Here is where you will put your address and any other important identifying information so that the recipient of your payment knows best how to contact you if necessary.

Field #4: PURCHASER’S SIGNATURE

You will need to sign the front of the money order. Some money orders have spaces to sign while other money orders to do not. You will not want to sign the back of the money order, instead you will want to make sure that you leave that space open for the individual or the company that has received the money order to endorse it.

Field #5: DOLLAR BOX

In the box with the dollar sign before it you will write the amount you want on the money order in numerical form.

*Keep the Receipt!
You should also make sure that you keep your receipt. You want to keep the receipt to make sure that the transaction is as secure as possible. The more secure your transaction is, the more you will be able to trust the money order as a secure form of payment.

Common Questions About Money Orders

When do you use a money order?

Money Orders are accepted by almost any business, government agency, or bank. You can use a money order to pay bills like rent, or utilities, or to send money to someone you know. If you are interested in another convenient, low cost alternative to Checks or Money orders you might consider a Prepaid Debit Card.

Where can I get a money order?

You can obtain a money order at any Western Union location. Walmart, USPS, and convenience stores are some common places where you can get a money order, and many stores will also have Western Union services like Check City does. If you receive a money order, it is at these same places where you can cash a money order. Just stop by one of our conveniently located stores for any of your Western Union needs.

What information do I need for a money order?

You’ll need whatever information you need to properly fill out the money order. You’ll need to know the name of the person or business you are paying and how much you want to put on the money order. In some cases it is also helpful to know the address of the person or business you are writing the money order for.

How should I deliver the money order?

You can deliver the money order by mail or in person, depending on how the recipient would like to receive your payment. You can also transfer money through Western Union directly and then the recipient can pick up the money at their own Western Union location.

Money orders are a great way make a secure form of payment. They’re easy to use and provide another level of safety and security for some of your more important payment needs. Stop by any Check City location to pick up your free money order!
 
Stop by any Check City location to pick up your free money order!

3 Beneficial Budget Vacation Ideas

Budgeting While on Vacation

While most people go on vacation to get away from the stress, tasks and everyday living, the logistics and finances of taking a trip often wind up adding to that stress. The ultimate goal is to get maximum joy out of your vacation, while maintaining minimal stress.

To reduce the stress of taking a trip, you’re going to have to come up with a vacation budget. Your vacation budget should be separate from your everyday budget, and you should do your best to predict and anticipate all your expenses before you step on a plane or pull out of the driveway. Without proper preparation, you could find yourself racking up unnecessary expenses, or worse, stranded far away from home. Coming up with a good budget is one of the great budget vacation ideas.

If you’ve ever been on a vacation that went exactly as planned with no unexpected expenses, then you’re very lucky. The vacations that the rest of us take are full of surprises, twists, and turns. In fact, that’s part of the fun of going on vacation—the little adventures that pop up that you can never plan for.

Crafting Your Unique Vacation Budget

Between the cost of travel, food and lodging it can get very expensive to take a vacation. When you know that you are going to want to take a vacation, there are many ways that you can minimize the cost of traveling. First, it is important to understand what your budget is. You want to make sure that you have a firm budget in mind and that you are going to be able to afford to go on vacation.

While you are setting your budget, you should figure out how much money you are going to save and how long you will need to save to make that goal. Saving is key—overall everyone spends more money while they are on vacation than when they aren’t. Unless you want to go into debt, you’re going to have to spend the weeks and months leading up to your vacation saving as much as you can.

If taking regular vacations is important to you, you can even set aside money for a vacation fund in your regular budget. That way you’ll always have vacation money, even for those spontaneous road trips.

When you sit down to craft your vacation budget, be prepared for surprising expenses. It’s always better to over compensate when it comes to vacation finances. In addition to the cost of activities and amenities, set aside money each day for spontaneous spending—nothing too crazy, just enough so that you don’t feel guilty about buying a cool gift or going on a last-minute night out on the town.

Booking Travel and Lodging

The ideal time to book flights and hotels is months in advance, not weeks, especially if you plan on vacationing during the busiest times for travel. When it comes to vacations, you will be rewarded exponentially for advanced planning.

While you are booking your hotel rooms and rental cars, you should ask for a breakdown of the bill that you receive. Make sure that they are providing you with the total, including tax. When you get the total ahead of time, you can be sure that there are no surprises when you are checking into your hotel or getting your rental car.

Take your time booking your flights and make sure you are finding the best rates. If you don’t feel like you are able to find a good deal, talk with a travel agent and book your flight through him or her. Websites that specialize in booking flights can also bundle hotels and rental cars so you can get a great deal. Sometimes these deals are temporary, so it’s a good idea to subscribe to the website’s newsletter for alerts and promotions on good deals.

We hope you have learned a lot and enjoyed these great budget vacation ideas. Thank you for reading!

Converting to Using Money Orders

When you do not have a checking account but you know that you are going to need an easy and reliable way to make purchases and pay bills, money orders may be the answer that you have been looking for. Many people do not realize what a money order is or how they can use it in their day to day lives. A good way to understand money orders is to compare them to checks. Many people are used to writing checks and are familiar with what a check is. When you write a check the cash is removed from your checking account as soon as the check is cashed. A money order is like a check, except the money is taken out when you order the money order.

When you know that you are going to want a money order you will purchase a money order for a specific amount of money. You may find that there is a maximum limit for money orders and you should be sure that you are aware of this before you purchase a money order. After you have purchased the money order for the correct amount of money, you will want to make sure that you have a receipt or a stub that you will keep for your records.

All of our money orders are done through Western Union. If you think that a money order is going to be a great financial solution for you, stop by any of our conveniently located Check City stores to purchase your money order as soon as possible. When purchasing a money order you will be able to buy the money order quickly. The easy process has been designed to ensure that everyone that orders a money order is in and out of the store quickly and efficiently.

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