my bank does the same thing, whether thats western union, money gram, or usps, automatic 10 day hold for any money orders. And I understand why. I got ripped off several years ago, bank cashed the money order instantly, i shipped the crankshaft that day, 3 days later, bank hits me with the 250 bucks from the money order bouncing, plus a 26 dollar fee. Find out, the money order was cancelled by the buyer the same day he mailed the money order. So the dude got my crank for free and i was out the shipping and the 26 dollar fee...... so im glad my bank holds it now.