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I have a money order issued 01/04/2013 from TD in Upper West Manhattan, 2831 Broadway. When I purchased the money order, I was told there is no expiration date on it.
I have tried to cash the money order at 3 banks in Michigan. None would comply. They stated it is expired.
However, they also refused to check with TD.
Is the money order indeed expired?
If so, is there a way to recover the funds? Mind that I am currently in Michigan. Detroit area.
Thank you so much for you help.
Paul, St. Clair Shores, Michigan
August 13, 2015 03:56:42 PM
In reply to Paul, St. Clair Shores, Michigan
Thanks for coming by TD Helps, Paul. We'd be glad to help.
The validity of a Money Order depends on the escheat law of the State. They may be reported at abandoned property if not cashed within the time period provided by each State’s Abandoned Property Laws. This link: http://1.usa.gov/1r2hnzo can be used to search the laws by State.
If you currently have a TD Account, you may wish to deposit the money order. As you mentioned you are currently in an area where there are no TD Stores, you may utilize our Bank by Mail feature to send your deposit to the following address:
TD Bank, N.A. ME2-001-033 P.O. Box Number 1190 Lewiston, Maine 04243
The P.O. Box is checked daily and transactions are posted the same day.
If you need to Fed-EX or UPS a mail in a Deposit to us, you can ship it to the address below:
TD Bank Bank by Mail 140 Mill Street Lewiston ME 04243
Please be sure to sign the check and write "Not for Intended Use"
We recommend visiting http://bit.ly/1kb17UQ to learn more about our funds availability policy starting on page 38. Also keep in mind that the TD Bank is not responsible for items lost in mail. Here are some additional tips to consider prior to mailing your deposit:
- Cash should not be sent through the mail
- Payee of the check and name on deposit ticket should be the same
- Checks should be endorsed (and restricted "for deposit only")
- Multiple checks should be listed and a total of the deposit listed
- Enclose the deposit ticket, not the carbon copy
- If using a blank deposit ticket, please write the account number clearly
- Do not staple transactions
However, if you are no longer a TD Customer, we ask that you connect with the Store you visited to purchase the check for additional options. Please visit: http://bit.ly/TDStores for TD Stores information.
We hope this helps and please let us know if you have any other questions.
Colleen B, Mount Laurel
August 13, 2015 03:57:27 PM