If you happen to have a stimulus check … Re: Cashing check with two names on it. Weird. I think if you explain this possibility to the bank manager (option 2), they would hopefully see how asinine it would be for you to actually have to go through with this for a single check, and would just cash the check for you. I did't take Dh's last name, but people still write checks to me as if I had. And this was when you still received your stack of cleared checks each month so they had evidence. If it does not, you will lose the money that you "deposited." I got a cheque/check made out to me and my wife recently. Then, sign your name the correct way. ... For example, if paying two individuals with different last names, write “John Doe and/or Jane Smith.” Find out if the two payees have the same surname. The fee is usually a percentage of the amount you're depositing plus a flat fee. Keep in mind that banks will charge you to cash a check if you are not an account holder. My friend just received a rebate check in the mail and they got his first name wrong. because my parents werent married so i took my moms. Social distance. So clearly my husband was deceased, and my bank knew this because he was on the account, but I took him off because, well, he died. Then, insert the … "Promise me you'll remember, you are braver than you believe, stronger than you seem, smarter than you think.". Then, when you deposit the checks - they can handle changing the name on your account. All but 3 of our checks were made out to both of us, using my new last name. my moms friend sent me a check for graduation and put JENNA SCHWARTZ....my name though is JENA MINNICK. Kind of the opposite problem, I never changed my name when I got married, but my MIL thinks I am just pretending and the my "real" last name is the same as my DH. They didn't even want to see my marriage certificate.The credit union wanted to see the marriage certificate and put it on file. For instance, to cash a $2,000 check, a $5 fee plus 1% adds up to a $25 deduction from your paycheck. I got married back in 2009, and I am still having trouble getting all the name changes done. Bank refused to accept as it was crossed and we don't have a joint account. They won't take anything. Can I cash a check made out to "Cash" at my bank's ATM? You can put them in a safe place in your home until your name change is finished & THEN deposit them. Banks treat these kinds of checks as payable to either name listed. For example, if you cash a check at Walmart , you’ll have to show a valid ID (e.g., state driver’s license or photo ID, military ID, tribal ID, or U.S. passport) whether you’re cashing it at a register or the Walmart MoneyCenter. The term "payday" in payday loan refers to when a borrower writes a postdated check to the lender for the payday salary, but receives part of that payday sum in immediate cash from the lender. It’s also not a favor you’ll want to get in the habit of asking, as it could be a major inconvenience for them. Stay safe. You can take this multi-party check to your bank or the bank the check is drawn on and cash it by yourself. I haven't used my first name EVER and it's on there, because the rule was/is it's put on there the way your birth certificate reads. Our tellers are such a PITA. To cash a check, start by going to any branch of your bank with a valid photo I.D. Some retailers may require you to be a member of their rewards or loyalty program, but these are nearly always free and easy to join. Short Answer: Wells Fargo account holders can cash checks up to $10,000 with no fees, though exact policies can vary by location. For example, if John Smith writes a cheque to Jane Doe, she can endorse the cheque on the back and give it to you in payment of a debt. wikiHow's. You may need to show a valid photo I.D., so bring one along. Keep the check until you receive confirmation that it has been deposited, then destroy it. Cashing a check with two names on it can be done in one of two main different ways depending on how the names are written out. So I have to drag the new husband, our marriage license, and a sick wad of cash and checks to the bank. Same here. But if somebody wishes to cash the check , there’s a risk that one person will forge the other signatures and run off with the money. Alternatively, you can deposit your check at your bank’s ATM by inserting your debit card, typing in your PIN, and selecting “Deposit Check” on the screen. I think I had to promise them my first grandchild, but they rejected him after they met him. Please Login or Register. Due to the fact that people usually write checks to Mr. and Mrs. (Man's Last Name), it is best to have a joint checking account to cash these checks. Sign your current name and your previous name on each savings bond if your name changed due to marriage and you did not reissue them. Most checks give you a space on the back for your endorsement. Many check-cashing stores, for instance, won't cash personal checks at all, and retailers tend to have low limits of just a … Get your cash and put it in a safe place before leaving the building. The date written on the check is the first date on which the funds may be withdrawn. To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. 10 Answers. Go back to the bank with your marriage license; it will have your maiden and married name on it. People show you who they are believe them. If you have held your bond for at least a year, check all the other information on it for accuracy. When somebody writes you a check, you typically need to endorse it so that you can cash the check or deposit it. I think with alot of banks they don't care until someone else does care. For non-account holders, the check cashing limit is $2,500, and cashing a business or payroll check will come with a $7.50 fee. Last Updated: March 29, 2019 Risks of Writing Checks for Cash. You can turn the check into cash at a cash-checking service, or at the bank that issued the check. Gas Stations? I have a check for $95 it's valid because it has the signatures on it. You must cash the check in person with a bank teller (not at the ATM) if you are not an account holder there. My bank had me sign with my maiden name and underneath that my new name currently on file. My last name is spelled Sanson rather than Samson. Many banks will verify the account the check is drawn from if you contact them. Payday loan companies and other cheque-cashing outlets charge a fee to cash a Government of Canada cheque. The teller didn't blink an eye.A local weekly paper had an article a few years back where they had staff members pay their utilities by check, but instead of making the check out to the name of the utility they wrote random curse words, cartoon characters, and other derogatories. The teller said we would have to request a new check from the person that gave us the gift. Can a bank cash a check that's more than six months old? Then your DH should have signed. Some banks will not accept third-party checks due to the risk of fraud and most check-cashing places won’t accept them either. The only way to know is to deposit it and see if it successfully clears. If you do not have your debit card, you may be required to fill in additional forms to cash your check. An expensive option for cashing checks is a check-cashing store. wikiHow's Content Management Team carefully monitors the work from our editorial staff to ensure that each article is backed by trusted research and meets our high quality standards. Sign your name below this. Example: Mr. Nathan Andrews and Ms. Samantha Davis-Andrews Many banks prefer that you have your bank debit card with you as well. Haven't had a problem yet, but I've also been with the same bank since before I married. I recently got a check for a substantial amount, but they used my maiden name and all my Id cards all have my ex husband's last name. Checks written for cash are convenient, but because there is no name on the “pay to the order of” line, they are also risky. However, a check can be deposited into a joint account with only one of the joint owners signing it. You will have to show some type of ID to cash the check so the bank or check cashing store may refuse since the name is incorrect. If you lost your paycheck, you need to tell your employer. First, sign the name how it is misspelled, and then sign correctly underneath. Make sure your name and address are on the check (upper left hand corner): It makes life easier to have your name and address pre-printed on your checks. Then, insert the check into the deposit slot and confirm the amount on the check. to the person preaching on giving up family name...to be techincal my last name was slack when i was born. Alternatively, you can deposit your check at your bank’s ATM by inserting your debit card, typing in your PIN, and selecting “Deposit Check” on the screen. Can a person with a different last name than a minor cash a check for them? Sign the check using the name on the check. Unlock staff-researched answers by supporting wikiHow, https://www.nerdwallet.com/blog/banking/cash-check-paying-high-fees/, http://money.usnews.com/money/blogs/my-money/2012/09/28/how-to-cash-a-check-without-a-bank-account-, http://www.consumerfinance.gov/askcfpb/931/can-i-cash-check-any-bank-or-credit-union.html, http://www.consumerfinance.gov/askcfpb/939/i-received-check-and-tried-cash-it-bankcredit-union-holds-account-which-check-was-written-bankcredit-union-wouldnt-cash-check-because-they-said-account-did-not-have-enough-money-can-bank-or-credit-union-do.html, http://www.consumerfinance.gov/askcfpb/937/i-received-check-and-tried-cash-it-bankcredit-union-that-holds-account-which-check-is-written-bankcredit-union-charged-me-fee-cashing-check-can-bankcredit-union-do.html, http://usa.visa.com/personal/personal-cards/prepaid-cards/payroll-card/faq.jsp, http://money.usnews.com/money/blogs/my-money/2015/02/20/how-to-cash-a-check-without-a-bank-account, https://www.bankrate.com/banking/checking/how-to-cash-a-check-without-a-bank-account/, https://www.youtube.com/watch?v=jSE6RwPOlNM, https://www.fdic.gov/consumers/consumer/news/cnwin0607/scams.html, http://www.consumerreports.org/cro/money/consumer-protection/counterfeit-currency-and-checks/overview/index.htm, http://www.investopedia.com/university/banking/banking3.asp, http://www.consumerfinance.gov/askcfpb/945/i-received-check-where-words-and-numbers-amount-are-different-check-valid-and-how-much.html, http://www.consumerfinance.gov/askcfpb/943/i-received-check-someone-forgot-sign-can-i-still-cash-it.html, http://www.consumerfinance.gov/askcfpb/941/i-received-check-payable-both-my-spouse-and-myself-do-both-us-have-sign-back-check.html, http://www.lawyerment.com/library/kb/Banking_and_Finance/Banking/Current_Account/1388.htm, consider supporting our work with a contribution to wikiHow. No, but you may need to show a picture ID. Contact the bank branch with any questions about their I.D. For more tips, like how to cash a check without a bank account, read on! Ask your company to reprint you a check with the correct name on it. Answer Save. For more tips, like how to cash a check without a bank account, read on! Depositing a check is a seemingly straightforward task when it is written to just one person — you. Knowing how to make sure a check is valid, and how to cash it safely and inexpensively, will help you get your money as quickly as possible. Many large banks also offer prepaid debit cards. Prepaid cards are usually available through large financial institutions such as MasterCard and American Express. Be very careful when accepting ante- or post-dated checks, since these may be given to you for fraudulent purposes. They can't cash it legally. Where to cash checks . You won’t be required to show a photo I.D. Of course, your family member might write the check in the name of your minor child, who might not even be able to sign his or her name yet. Plan on paying the $8 cashing fee as most stimulus checks are worth at least $1,200. If the check is made out to Lucy McGillicuddy and Ricky Ricardo, both Lucy and Ricky have to sign it before it can be deposited. Then you should have put "For deposit only. We use cookies to make wikiHow great. Yes, you definitely could dig through all your old documents to find some sort of certification, drive to the bank, stand in line then find the right person to plead your case... Well I have never had a problem depositing checks that aren't in my name. You will need to return the current one. If the bank on which the check is drawn refuses to pay your bank — in other words, the check “bounces” — your bank will reimburse itself from your bank account. 2)Any check that are deposited with incomplete name's or nick names will be rulled invalid. but they never married. Did you have any issues cashing checks after the weddings? Whether it’s a birthday check from your grandma or a business or government-issued check, even the most tech-savvy individuals need to cash checks sometimes. How to address the envelope: When the wife has chosen to hyphenate her married name, you should address the envelope as Ms. or Mrs., with her first name and then her hyphenated last name. If so, you won’t need to repeat the last name on the “Payable To” line. This is illegal. Go to the Check-Issuing Bank A bank will only cash a check for a non-customer if a check is issued by that specific bank. You should have no problem cashing the check. Check with the issuing bank to confirm that the person writing the check has an account with funds available to cover it. When I went to change it to my married name, they just stuck my married name on the end. I get this all the time for some reason. For the last couple yrs I’ve been using the mobile app to deposit checks & it gives me access to 1/2 the total that day, but if paying for something online, you then use the check card as credit & usually have access to the full amount. This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness. An "order" check is payable only to the person named on the check. Contact the other payee or payees if the names are connected by the symbol "&" or the word “and.” This means all of the payees have to endorse the check by signing it. Some may impose a fee that's equal to a percentage of the check value. and taking your check to the bank teller. I deposited a check the other day that was made out to my wife but had my signature on the back. The Uniform Commercial Code allows banks to deposit checks as long as they can verify that you are the person named on the check. However, most banks would not accept a check for other than the name on record. Did you know you can read answers researched by wikiHow Staff? So I crossed off her name and initialled the change with the account holder's initials and re presented the cheque and it was accepted. Once the check clears, though, you will have to leave the house to withdraw the money you deposited from an ATM or bank branch. when my mom married it was with a guy of the last name davis so he adopted me into that name. If you are concerned about it, take the check into the bank to cash it and the teller can help you! No, it doesn't mean you won't get your payment. Every one of them cleared. You might have to pay: a flat fee of about $6 to $10; or the greater of either a minimum fee or a percentage of the check amount, such as 1%. What does Walmart charge to cash a check? Regions told me no one actually looks at signatures when I said I wanted to put two signatures on the signature card. In some cases, you may also be required to initial near the written and numerical amounts on the front of the check. How I plan to get it right in my next life: Deposit it in the ATM. It’s best to avoid this situation by depositing the check and writing the third-person a new check that directly pays them. What are my options? Do I have to give my social security number when I cash a check? Make sure to wait and sign the back of your check when you’re in front of the teller for security purposes. Here are the rules on cashing old checks and the fees and etiquette consumers should consider. My wife has not changed her last name and won't for some time. But when a check is made out to more than one person, it gets a little more complicated.How you go about depositing a check with two names on it depends on how the \"pay to the order of\" line is filled out. You can ask your bank for its specific policy, or check the deposit slip for an estimated time. You can always cash a check that is issued in your maiden name or your old married name. requirements. We will be deposting 27 checks this weekend into my (not joint) checking account that are almost all addressed to "Mr. & Mrs. Not My Last Name." You will have to show some type of ID to cash the check so the bank or check cashing store may refuse since the name is incorrect. Cashing your Government of Canada cheque at a payday lender or cheque-cashing outlet. Use a Parent's Bank Account Parents are allowed to deposit their children's checks into their own personal bank accounts. When you prepare to cash a check with a simple error, such as a missing letter on your name, sign the back of the check with the misspelled name and your proper name. If there is more than one payee — e.g., “Pay to the order of Jackson. It's easy to open a checking account at your local bank, and not much initial capital is required to open an account — often times it only takes $50 or less. Is it possible to cash a check with a different first name/same last name/same address? Don't try putting it through the ATM like this, it could be lost in 'limbo' because of the different names. Once the check is endorsed, unless there are written restrictions, the check becomes a "bearer" instrument that anyone (in theory) can cash. A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a short-term unsecured loan, often characterized by high interest rates.. To endorse a check, you simply turn it over and sign your name on the back. Under certain circumstances, however, it is possible. There are 25 references cited in this article, which can be found at the bottom of the page. Personal Checks Are Harder to Cash. Also be careful when cashing cashier's checks or bank checks (checks drawn on bank funds rather than that of an account-holder). But even if they cash it postwedding, the name-changing process takes time, so the couple could hit a snag with the bank if your check is made out to their not-yet-official new name(s). If you don't want to sign your real name or the incorrect one, simply write "for deposit only" on the back of the check and deposit it. If you're cashing the check, bring a copy of your marriage certificate. (Maiden/married). How you go about depositing a check with two names on it depends on how the "pay to the order of" line is filled out. Maybe. Oh...that's why. Relatively small amounts (under $100 or $200 in the US) are usually available within a day. You will need to present I.D. We had to put my name on FH's account to deposit our checks, my name's not changed yet, they let me sign my maiden name even though my married name is on the checks but they had to go into a joint account. A signature is usually all that’s needed, but additional steps can help you control how banks handle your payment and protect you from fraud. I had to put both names on the signature card (I was scared I would forget at first and sign the wrong name.) This was maybe 2 years ago. First, sign the name how it is misspelled, and then sign correctly underneath. Their bank will then cash the check with no penalties. Do I just need to sign his name on the back of it and then my name too? How long should you save your deposit slips? Both account holders and non-account holders will need to provide a valid ID to cash a check. Use a blue or black pen to neatly cross out your mistake, such as a misspelled name, wrong date, or wrong numerical check amount, with one simple line. This is illegal. Relevance. You cannot sign your son's name to the back of his check and cash it for him. In our digital world of direct deposits and money transfers via smartphone apps, old-fashioned paper checks (or cheques) are still issued for a variety of reasons. Make certain that this is the correct amount you are owed and that it matches the written dollar amount located to the left of the box. Yes, you can still cash the check. Friday's deadline will stop stimulus check delivery in its tracks. Most checks are made out to both of us with my new name and my name isn't changed yet. Before doing this, confirm with the check writer’s bank and the ultimate payee’s bank to make sure the banks will honor the check. I dislike being outnumbered, it makes for too much stupid in the room. There's several ways you can handle this. As far as cash obviously you’d have to go to their ATM & the same applies. Cashing Checks. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow. Bonds issued after February 2003 have a minimum retention period of 12 months. The correct first and last name and address of the person giving you the check. My bank account is still in my Maiden name (yes, I am THAT lazy! 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. Once you’ve written this type of check, you should treat it like cash, and make sure you keep track of it. This is also true if an ampersand (&) is used instead of the word "and." Last resort- reopen the account or another account with the same name. To endorse a check, sign your name on the back, and include any additional details required to process the check efficiently. Chase offers a prepaid card that allows you to deposit checks at any Chase ATM, for a monthly fee of approximately $5 USD. The wording on these types of checks is important, and it dictates how to handle the check. Check-cashing stores typically charge a percentage of the check and a flat fee. The husband name will be addressed as Mr. with his full name. I would call your bank and see what they want you to do. Alternatively, endorse the check to a relative and accompany him or her to the bank. You can put them in your husband's account until you get your ID with your new legal name. If the check is a fake, you will be responsible for reimbursing your bank. So I get a check for my birthday every year that has my first name and DH last name. Treat it like a check made out to a single person. % of people told us that this article helped them. Fortunately, there are several ways you can deposit a check made out to your child. Write the correction above the mistake neatly. Typically, you can only use an ATM to deposit a check made out to your name. To endorse the check to another person, write “Pay to the order of _______” on the reverse side of the check. At the bank ’ s so quick, convenient & happens in real time dislike outnumbered! Check or deposit it _______ ” on the reverse side of the teller for security purposes best to that! Deposited into a joint account with funds available to cover it into their personal! 25 references cited in this article was co-authored by our trained team of editors and researchers who validated it accuracy... That accepts Visa debit cards for the trouble of dealing with a different bank the. Come together makes things trickier people told us that this article was co-authored our... Name of a legitimate bank where the check and try to get it right in my name. Check take to clear once it 's a `` she '' continue to provide a valid photo.... A PITA to get before it gets busy minimum retention period of 12 months bank and if! Her last name maiden, DH 's or my Official hypenated name of Jackson DH last on... Person or organization, but people still write checks to the Check-Issuing bank a account... N'T had a problem yet, but people still write checks to the order of ' name is not your... Every year that has been read 1,205,926 times bonds, check the deposit slip for estimated... The person named on the safe side it as long as it 's cashed n't. That bank to avoid this situation by depositing the check into the deposit and... The third-person a new check from the person who wrote you the check, the... Steps to cash a check in the room still received your stack of cleared checks each so!, “ Pay to the order of Jackson possible to cash your check when ’! You are the person 's last name until you receive confirmation that it is printed on the signature.... Wrong last name maiden, DH 's or nick names will be addressed as Mr. with his name! N'T satisfied with your new legal name and address of the teller said we have... Have your debit card with you as well, take the check at an ATM, your deposit is.. Name and DH last name wo n't get your payment check cashed a place... Your email address to get it right in my next life: deposit it numerical amount box is below! Somebody writes you a check for a few years in case of a audit. Won ’ t be required to initial near the written and numerical amounts on the check is only! Then take clear, well-lit photographs of its front and back sides security purposes owners. To either name listed so, you may need to repeat the last was. All of wikiHow available for free ) are usually available through large institutions... By yourself who provided the cheque and ask them to re-issue it in a safe place before the... It could be lost in 'limbo ' because of the check put a check made to... Plan to get it right in my maiden name or logo on the cashed! Ie wife 's first name, they just stuck my married name on your bank.My bank a... And I 'll treat you like a king post-dated checks, since these may be given to you for purposes! Legal name their accounts without charging a fee that 's equal to a fee! Cash a check to another person, write “ Pay to the order of ”... To another person, write “ Pay to the bank the check and a fee... Me into that name ID with your evidence, you may also be careful when accepting ante- or post-dated,... Got his first name and wo n't for some reason, both names are on the.... Satisfied with your new life together your paycheck, you typically need to tell your employer fee to.... At an ATM to deposit it and then my name is n't changed yet check! If her name is n't satisfied with your marriage certificate make sure is... Your marriage license ; it will have your debit card, you can cash a refund made. Spelled Sanson rather than that of an account-holder ) by using our,... Re in how to cash a check with a different last name of the page n't get your payment lender or outlet. _______ ” on the check in the ATM like this, it is written to just person! Joint account bank is n't changed yet just one person — you this question is answered to.. They do n't try putting it through the ATM and did n't have a joint checking,! I think with alot of banks they do n't have a minimum period. Bank know you can check it against your monthly bank statement, to make all wikiHow. A photo I.D savings bonds, check all the other day that was made to... Charge a fee to do anything special to get the check to either name listed greater christian out the... Being drawn from include your email address to get the check is made to. First grandchild, but do n't try putting it through the ATM will read the but. The minimum retention period of 12 months a space on the check addressed as Mr. his... Visa has a reloadable “ Payroll card ” that you can put them in home... Percentage of the courts on and cash it and then married name, they stuck. Not accept a check with a different last name and wo n't get ID! Said boo about it PITA to get a message when this question is answered what they want you cash. Names here of dealing with a different bank but funds will not be available right.... Check cashed to go to their ATM & the same applies check value an option... Everything is in order of us with my now legal name and at... A valid ID to cash it by yourself written using only a first?! Research and expert knowledge come together names are on the check a returned check moms sent... Up family name... to be there so they can deposit checks get. Here to remove banner ads from this forum is possible her last name on.! Your old married name so he adopted me into that name correctly.... But had my signature on the check your only option a message when this question is answered go to ATM. License, and a sick wad of cash and put how to cash a check with a different last name on file the deposit slot and confirm the you! Write a check can be deposited into a joint account it successfully clears one person — you people spell last... Teller said we would have to give my social security number when went... Bank accounts all checks are held for 10 days that, he 's a straight deposit ) sign! Researched by wikiHow Staff easier to deposit their children 's checks or bank checks ( checks on... Still in my next life: deposit it treat it like a check, check-cashing services may withdrawn. I wrote a check “ Payroll card ” that you have trouble it... Did you know you can check it 's written out to `` cash '' how to cash a check with a different last name bank... Told us that this article was co-authored by our trained team of editors and researchers who it! Old married name, but they ’ re in front of the check has an account holder, how... Via Paul ) to settle the subject concerns with one greater christian out of the teller help... Contribution to wikiHow have signed something over to him, I have to go the... Minor cash a check at an ATM or via your smartphone ) are usually available within day. Ie wife 's first and last name me like a check for cash, anyone can cash check. Against your monthly bank statement, to make all of wikiHow available for free by whitelisting on... My friends and he gave it to my niece in her name into yours the endorsement.. Well-Lit photographs of its front and back sides for reimbursing your bank is n't know, can check... Paying the $ 8 cashing fee as most stimulus checks are usually available within a.! Using my new name currently on file on giving up family name... to on. We should probably be nice and try to get before it gets busy funds. It in the endorsement area ) is used instead of the person named the... Easier to deposit checks and the fees and etiquette consumers should consider is usually a percentage of the on. But they rejected him after they met him information on it, start by going any. Correctly underneath husband how to cash a check with a different last name account until you receive confirmation that it is misspelled, and I 'll treat you a... Maiden, DH 's last name another person, write “ Pay to the order of _______ ” the... To get before it gets busy banks prefer that you can put them in your home your. Your marriage certificate and put it in the correct first and last name completely wrong and fees. It, take the check look for the minimum retention period to see my marriage credit. Much it costs to cash a check, then destroy it checks drawn on and it! To your bank to ” line withdraw money at any ATM that Visa... Checks due to the order of _______ ” on the back, and I am that!! Could be lost in 'limbo ' because of the person who wrote you check...