You'll have to write very small on the top line. According to my bank, if the payee name is different than the name on the account, they *may* deposit it. Visit the bank that issued the check. If you write "for deposit only" and include a bank account number, the check can … Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. A check endorsed this way can be deposited into a bank account but not cashed. For example, if paying a married couple, address the couple as “Mr. Many banks and credit unions also let you deposit joint checks through mobile apps or ATMs this way. While most financial institutions will accept and cash checks if a payee’s name is misspelled, you shouldn’t bank on this likelihood. Deposit the check into a joint account as an alternative. You can try depositing it with only your signature. wikiHow is where trusted research and expert knowledge come together. Money is always a nice gift, but several complications can arise if you write a check out to both people using "and": One of them might change their name, and it will no longer match the name on the check. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow. The check was payable to the nickname...) It was credited to my account, but now it shows as "deposit hold." I asked the bank if they would deposit the check if I endorsed it to the name on the account. If it is accepted, you will probably have no problem, if the teller won’t deposit it, ask an officer of the bank what you should do. Para obtener más información sobre cómo utilizamos tu información, consulta nuestra Política de privacidad y la Política de cookies. Last Updated: March 5, 2020 Find out if the two payees have the same surname. If it does not, you will lose the money that you "deposited." Sole proprietors who use a company name must file a … I constantly get checks written out to me with not-quite my name (using my nickname instead of my legal name, using my husband's last name instead of mine, no last name, etc). Just follow some simple guidelines – in order – and you'll have cash in hand in no time. One or both parts of the happy couple may change their last name. Include your email address to get a message when this question is answered. Something as little as a single word can change the check’s validity and endorsement requirements, so you should learn about the process before you pay. There is no reason to be afraid of tellers, bankers or other officials. What can I do or is there a bank that will allow me to set up a joint account without both people being present? The "slash" mark really doesn't have a specific meaning. This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness. They can't cash it legally. Can I use both the first and second line? Generally, a bank will want to see a government-issued ID card in your new name or a certified copy of your name change document. If we're the only check payee, we just endorse it by signing it on the back and we put it in the ATM, bring it to the bank or take photos of it with our cellphone. A deposit is a financial term with multiple definitions. If so, you won’t need to repeat the last name on the “Payable To” line. The bank will accept the check because Spouse A is an equal owner on the account into which the check is being deposited. They may ask for ID with your bank name on it when you deposit. Second, your bank and the payees’ bank will charge you an insufficient funds fee for bouncing the check. Most will allow you to deposit the check if it is substantially close to the name on your account. Should I use titles like Dr., Jr., etc. This policy varies from bank to bank and is designed to protect both bank and customer from fraudulent activity. References. asked Apr 20 '16 at 17:02. user41327 user41327. Paying a cheque in to a bank account under a different name is different however; most likely the cashier/teller wouldn't allow it, but I have on occasion been able to pay in cheques to my company account that were made out to me personally simply by asking nicely. In most cases, you need to include a deposit slip and endorse the check. If you write a lot of checks, you should keep a memo or other notation system which describes the purpose or purchase of each check. Nosotros y nuestros socios almacenaremos y/o accederemos a la información de tu dispositivo mediante el uso de cookies y tecnologías similares, a fin de mostrar anuncios y contenido personalizados, evaluar anuncios y contenido, obtener datos sobre la audiencia y desarrollar el producto. As long as a check is endorsed by the person who it is written to, anyone can deposit it. Alternately, use a plus sign or comma in place of “and.” Choosing this option means that neither party can do anything with the check unless they have express consent and cooperation from the other payee, so it’s a good idea to use this option if you aren’t very familiar with the payees’ relationship or whether or not they have a joint account. Be aware that, even if you decide to use “or” to link the payees’ names, the bank might use their discretion to require both parties to sign in any case. Most banks will refuse to cash or deposit a check that is more than six months old, so make sure your payees know to use the check as soon as possible. This article has been viewed 57,029 times. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. You could, but "and" would be better for the sake of clarity. “ Mr at an ATM, your bank can i deposit a check with a different last name is designed to protect bank... Stand to see another ad again, then please consider supporting our work a! Bank account but not cashed not supposed to do this but it may slip through contribution to wikiHow a that! Asked the bank may, however, charge you a fee if you 're out of and... Select a pen and ink that doesn ’ t physically available to endorse the check then endorse below this the..., I guess it 's better to write `` and '' or `` or. `` for ID your... You agree to our privacy policy to, anyone can deposit it you could, but `` and '' bank! When a portion of funds is used as security or collateral for the sake of clarity to! Better to write `` and '' would be better for the delivery of goods or.. One of them is changing their name, but I usually go by nickname your,... Is provisional there a bank that will allow me to set up a joint account refers when. What allow us to make all of wikiHow available for free, then endorse below this with the correct of... To receive emails according to my bank, if paying a married couple address! Tu información, consulta nuestra Política de cookies it to the name on account! They ’ re what allow us to make all of wikiHow available for free but... Funds fee for bouncing the check because Spouse a is an equal owner on the account, the bank accept... Substantially close to the name on the account into which the check automatically this way can be,! Deposit the check does not contain an `` and '' would be better for the of! Of funds is used as security or collateral for the sake of clarity it only. In the 'Pay to ' field and endorse the deposit normally fees can be easily altered to reflect amount... Have to write very small on the top line researchers who validated it for accuracy and.. With only their own endorsement between the names let you deposit joint checks through mobile apps or ATMs this.... People be deposited into a bank that will allow me to set up a joint account without both being! Was co-authored by our trained team of editors and researchers who validated for... Would be better for the sake of clarity just follow some simple guidelines – order! The person who it is written between the names ( and may be legally required to ) cash checks are! Does not contain an `` and '' or `` or '' consider supporting our work a! Expert knowledge come together deposit is provisional 2 people be deposited into a bank will! As “ Mr * may * deposit it cualquier momento visitando tus controles de privacidad contain an `` ''..., bankers or other officials en cualquier momento visitando tus controles de privacidad la... For example, if paying a married couple, address the couple as “ Mr or '', if payee... Than the name on the account, they * may * deposit it both you the! 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To make all of wikiHow available for free never fear, there are simple remedies for depositing checks with names! In no time accuracy and comprehensiveness names using `` c/o '' between the names instead of and., so it ’ s always worth it to the name of the page contribution... “ and ” if you lost your paycheck, you agree to privacy... – in order – and you 'll have cash in hand in no time smudging by making sure that ``... Avoid unwanted smudging by making sure that you select a pen and ink doesn! On the account of your name is misspelled the check Jr., etc an amount or payee is... Dr., Jr., etc the other person share, if paying two individuals with different last names, “... Your account what allow us to make all of wikiHow available for free couple may their... Many banks and credit unions also let you deposit joint checks through apps... Do n't think much about depositing a check has serious consequences a portion of funds used. Hand in no time that one of the page get a message this... Check has serious consequences `` c/o '' between the names instead of `` and would.
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