What type of identification is required to cash a money order?

To cash a money order, a valid photo ID is required to verify the identity of the individual cashing the order. This requirement helps prevent fraud and ensures that only the rightful owner of the money order can access the funds. A valid photo ID provides clear identification, which may include government-issued IDs like a driver's license or passport.

The other options do not meet the criteria for proper identification in this context. While birth certificates and social security cards contain personal information, they typically do not serve as effective proofs of identity in financial transactions since they lack a photo. A utility bill, although it can verify an address, does not provide any picture ID necessary for confirming identity. Thus, a valid photo ID is crucial for the process of cashing a money order.