In addition to the "change," the "wait until it clears" could be a problem. Where will the money order be as it clears? In your bank account?
Just because it clears in your account doesn't mean that it will be honored. I don't know how long of a window, whereby the bank must honor your balance in your account, there is, but if the money order/check/certified/cashier or whatever clears your account, then at a later date, there is a problem, the bank will deduct the amount from you account. It's in all of the fine print that you signed when you opened the account.
As Vikki said the way to ensure 100% coverage is to open an account with a different bank--you cannot use the same bank you already use because they can still scarf money from the account.
Even opening an account can bite you if there is a problem with the funds. Removing the money doesn't ensure anything other than possible criminal charges against you if there is a problem with the payment. I bee you that if you read the agreement made when opening the account, you'll discover that to take the money, run, and say sorry about that ain't gona fly.
These are finincial instutitions, and they have done their homework. Also, they carry big sticks. We are just little pi$$ants, and they'll crush us like little bugs.
