Fill in the recipient and your address; for bills, include an account number; sign it; keep proof of payment. Only the person or business named can redeem the money order.Available without a bank account. A money order is a safe alternative to cash or a personal check; it works like a check so you can cash it or deposit it into a bank account. And if you have a check, you will need to first deposit the check into your bank account and then pay for the money order with cash or a debit card. You will need to provide a photo ID, such as a driver's license, passport, or other governmentissued ID, to cash a money order. Your best bet is to cash a money order at the same entity that issued it, whether that's a bank branch, post office or other location. When you purchase your money order, you have to specify the amount you're sending. Bring identification. The bank won't cash the money order without acceptable proof that you are the person who is supposed to receive the funds.