回複：誰給俺掃掃盲: 關於money order

Your bank holds the amount of your MO in your bank account when you purchase it, and removes the fund from your account to bank's account, for the sole purpose of fund guarantee, which means whoever cashes the MO the payee is guaranteed to get the money, paid by your bank.

Now your money is kept by your bank, in its pocket. When the MO is cashed, the fund is transferred from bank's pocket to payee.

When you lost the MO, you need to put a stop payment, at a fee, on it and request a new MO. If you don't use it, you may deposit the MO to your bank account as a regular paycheck.