 TITLE: The Difference Between a Money Order and a Cashier’s Check CONTENT: When to Use a Money Order\n-------------------------\nUnlike a personal check, when you give someone a money order, they know the funds are guaranteed. With a normal check, it typically takes a few days before recipients can access the money because the receiving bank has to make sure the sender has enough to cover the amount. Use a money order in situations where you need to pay someone and need the payment to be secure but available immediately.\nBecause a money order is prepaid and backed by a third party, it can be used for situations where you need to provide immediate funds, but still want to do it securely. For example, you could use a money order when paying for something at the Department of Motor Vehicles, where funds need to be transferred on the spot. When you fill out a money order, you'll sign it and select a recipient, creating an official record and making it a more secure option than cash.\nMoney orders can also be advantageous for people without a bank account. If you have bills or need to make an official payment, money orders offer a secure way to send money without needing to have a bank account. It depends on where you buy it, but some issuers allow you to use a credit card, check or debit card to purchase a money order. Check with your issuer before purchasing to be sure. END