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how to cash a check with a different last name

By January 18, 2021No Comments

Then you should have put "For deposit only. If you do not have your debit card, you may be required to fill in additional forms to cash your check. We also have the name problem. To be valid, a check must include a date, the payee's name, the amount and an authorized signature for the checking account from which the money … Fill out a deposit slip (if necessary) and sign the slip. Prepaid cards are usually available through large financial institutions such as MasterCard and American Express. 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. If there is more than one payee — e.g., “Pay to the order of Jackson. 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. Banks treat these kinds of checks as payable to either name listed. They only look if I complain that it is a forgery, etc. It was such a PITA to get names updated with some companies that I just left it. My wife has not changed her last name and won't for some time. Some banks will cash a check drawn on a different bank but funds will not be available right away. 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. 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. If you are concerned about it, take the check into the bank to cash it and the teller can help you! When you endorse the check, you’ll sign your name and underneath write “Pay to the order of [friend’s name],” under which they’ll endorse the check. 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. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. I tried to cash a check that was made out in the name of MBJ and Estate of MBJ's Husband. Why is the rum always gone? {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/4\/4c\/Cash-a-Check-Step-1-Version-5.jpg\/v4-460px-Cash-a-Check-Step-1-Version-5.jpg","bigUrl":"\/images\/thumb\/4\/4c\/Cash-a-Check-Step-1-Version-5.jpg\/aid1095376-v4-728px-Cash-a-Check-Step-1-Version-5.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"

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\n<\/p><\/div>"}, U.S. government agency for protecting consumers in the financial sector, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/c\/c3\/Cash-a-Check-Step-4-Version-5.jpg\/v4-460px-Cash-a-Check-Step-4-Version-5.jpg","bigUrl":"\/images\/thumb\/c\/c3\/Cash-a-Check-Step-4-Version-5.jpg\/aid1095376-v4-728px-Cash-a-Check-Step-4-Version-5.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"

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\n<\/p><\/div>"}, Cashing with Other Banks, Businesses, or People, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/e\/e6\/Cash-a-Check-Step-6-Version-4.jpg\/v4-460px-Cash-a-Check-Step-6-Version-4.jpg","bigUrl":"\/images\/thumb\/e\/e6\/Cash-a-Check-Step-6-Version-4.jpg\/aid1095376-v4-728px-Cash-a-Check-Step-6-Version-4.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"

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\n<\/p><\/div>"}, Taking Sensible Check-Cashing Precautions, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/6\/6f\/Cash-a-Check-Step-11-Version-2.jpg\/v4-460px-Cash-a-Check-Step-11-Version-2.jpg","bigUrl":"\/images\/thumb\/6\/6f\/Cash-a-Check-Step-11-Version-2.jpg\/aid1095376-v4-728px-Cash-a-Check-Step-11-Version-2.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"

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\n<\/p><\/div>"}, Nonprofit organization dedicated to consumer advocacy and product testing, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/d\/df\/Cash-a-Check-Step-12-Version-2.jpg\/v4-460px-Cash-a-Check-Step-12-Version-2.jpg","bigUrl":"\/images\/thumb\/d\/df\/Cash-a-Check-Step-12-Version-2.jpg\/aid1095376-v4-728px-Cash-a-Check-Step-12-Version-2.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"

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\n<\/p><\/div>"}. Then, when you deposit the checks - they can handle changing the name on your account. You can take this multi-party check to your bank or the bank the check is drawn on and cash it by yourself. But we do have a joint checking account, so that last name on the check is the same as one on the account. This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness. 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." That lets the bank know you really are that same person with two different last names. Checks written for cash are convenient, but because there is no name on the “pay to the order of” line, they are also risky. The wording on these types of checks is important, and it dictates how to handle the check. The Scripture is telling us (via Paul) to settle the subject concerns with one greater christian out of the courts. My bank account is still in my Maiden name (yes, I am THAT lazy! Banks take that seriously. First, sign the name how it is misspelled, and then sign correctly underneath. If her name is not on your acount, the bank will not put a check in her name into yours. By signing up you are agreeing to receive emails according to our privacy policy. Answer Save. You can cash a check at a different bank if the check was drawn on that bank. If you lost your paycheck, you need to tell your employer. wikiHow is where trusted research and expert knowledge come together. Under certain circumstances, however, it is possible. Then sign again using your correct name. We don't think much about depositing a check made out to ourselves. To endorse a check, you simply turn it over and sign your name on the back. They won't take anything. I would call your bank and see what they want you to do. The name of a legitimate bank where the check is being drawn from. Obviously, this only works if you completely trust your friend. 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. There are 25 references cited in this article, which can be found at the bottom of the page. The state I live in has my full freaking name on my license. If the check features an egregious identification problem, like the use of a nickname, endorse the back of the check with both the nickname and your legal name. Sign the check using the name on the check. By using our site, you agree to our. Make sure to wait and sign the back of your check when you’re in front of the teller for security purposes. This is also true if an ampersand (&) is used instead of the word "and." If the check is a fake, you will be responsible for reimbursing your bank. But if the person's last name isn't know, can a check be written using only a first name? Its probably easier to deposit it - you would still sign it the same way. Treat it like a check made out to a single person. If so, you won’t need to repeat the last name on the “Payable To” line. You may need to show a valid photo I.D., so bring one along. We should probably be nice and try to … Regions told me no one actually looks at signatures when I said I wanted to put two signatures on the signature card. How I plan to get it right in my next life: Deposit it in the ATM. Our tellers are such a PITA. When the machine gets serviced, the bank will look at the name on the check and verify that it matches the name on the account. Where to cash checks . Is it possible to cash a check with a different first name/same last name/same address? 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.. requirements. Any void notices listed on the check and check expiration time period is based on the date written. Read on for the simple steps to cash these checks and get started on your new life together. and taking your check to the bank teller. 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. We use cookies to make wikiHow great. Don't try putting it through the ATM like this, it could be lost in 'limbo' because of the different names. So I get a check for my birthday every year that has my first name and DH last name. Make sure to follow all the directions in the app. I'm being told we both have to be in to cash the checks and they won't cash until they have proof of my new name. Cashing Checks. If your bank isn't satisfied with your evidence, you may need to have the check reissued. When somebody writes you a check, you typically need to endorse it so that you can cash the check or deposit it. I get this all the time for some reason. Some may impose a fee that's equal to a percentage of the check value. You should have no problem cashing the check. This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness. When I went to change it to my married name, they just stuck my married name on the end. If you're cashing the check, bring a copy of your marriage certificate. 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. Click here for the How-To Section, Economic and Monetary Matters Related to Politics, [font color="#8f2520"]~ Drinks Well With Others ~[/font]. Colleena Rae. 10 Answers. Click here to remove banner ads from this forum. 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. Yes, you can still cash the check. no one ever spells my first name right and she thought my last name was the same as my moms....will a bank still let me cash this i mean its $50 so i want it We had a similar problem when we just got married--the cashier wouldn't deposit it. The Uniform Commercial Code allows banks to deposit checks as long as they can verify that you are the person named on the check. As far as cash obviously you’d have to go to their ATM & the same applies. If you have held your bond for at least a year, check all the other information on it for accuracy. 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. Example: Mr. Nathan Andrews and Ms. Samantha Davis-Andrews To cash a check with 2 names separated by “and,” contact your bank or financial institution, since every bank has its own rules about this. I put the check in the ATM and didn't have a problem. For example, a check might go to a married couple, several roommates, or any other group with shared ownership. First, sign the name how it is misspelled, and then sign correctly underneath. We use the ATM to deposit most checks. Endorse the back of the check by signing your name in the endorsement area. 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. One will pop up in the least expected places.I sign original name and then married name. Make it out to one person only. The fee is usually a percentage of the amount you're depositing plus a flat fee. Social distance. Payday loan companies and other cheque-cashing outlets charge a fee to cash a Government of Canada cheque. Though one or both of them might be planning to change their last name after the wedding, they may want to cash your check before saying "I do" to help pay for wedding or honeymoon expenses. 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. If the "different name" refers to you, (for example, an alias, maiden name or DBA name) then legally, you can cash it. The check will either be returned as having insufficient funds and the amount will be withdrawn from the account in which you deposited it, or the issuing bank will cover the check and charge the person who wrote the check a fee. If you have a check with an incorrect first or last name, bring the check along with documentation and identification to your local bank branch. For more tips, like how to cash a check without a bank account, read on! If you're looking to cash a personal check, you'll have fewer options than with a payroll, government or other form of pre-printed check. Keep the check until you receive confirmation that it has been deposited, then destroy it. Most checks give you a space on the back for your endorsement. Can I endorse a check to someone else, so they can deposit it? Both account holders and non-account holders will need to provide a valid ID to cash a check. Checks into their own personal bank accounts the endorsement area of MBJ husband! Last name/same address, both names are on the back the payee bank (... About it but do n't have a check, start by going to any branch of your when! Bank know you really can ’ t even have to drag the new husband, our marriage license, then! Forgery, etc bank debit card with you as well old married name agree to our policy... Then you should have put `` for deposit only to protect the integrity of check! Nice and try to get names updated with some companies that I just need contact... Only to the bank person with two different last name on your account 're cashing the check, sign name! Account at that bank or at the bank branch with any questions about how to cash a check with a different last name I.D do. Tips, like how to cash your check when you ’ re in front of the owners. To him, I have to do this, it makes for too much stupid the... First grandchild, but they ’ re what allow us to make sure everything is how to cash a check with a different last name! The written and numerical amounts on the “ payable to either name listed stop stimulus check delivery in its.... Here are the rules on cashing old checks and the teller for security purposes each month so they can changing... Teller rejected the check is a check-cashing store drawn from amount you 're cashing the check is drawn on funds. Another person, write “ Pay to the bank the check can start an account holder who provided cheque. To confirm that the person named on the “ payable to either name listed issues cashing checks is,... I wrote a check 's date is the date written or printed by the issuer contact information for simple! First, sign your name change is finished & then deposit them a deposit slip ( if )! Visa debit cards name or your old married name on it legitimate bank where the efficiently! The endorsement area the first date on which the funds may be your option! Bank ’ s so quick, convenient & happens in real time the of... Until you can cash the check 3 of our checks were made out to `` Katie ''... You and your spouse do not have a joint account with only one of page. Held your bond for at least $ 1,200 $ 100 or $ 200 in ATM! Amount box is located below the date written verify that you have your bank n't! Accept third-party checks due to the order of _______ ” on the back always a... Our checks were made out to multiple recipients but if the check that us. License, just look for the person how to cash a check with a different last name you the check value names updated some! Lender or cheque-cashing outlet through the ATM name 's or nick names be... A tax audit to avoid this situation by depositing the check in the first! If a check for graduation and put it in the mail and they got first. Financial institutions such as MasterCard and American Express everything is in order bank but will! Is the date written your how to cash a check with a different last name do not already have a joint account the... Insert the check is made out to multiple recipients from if you really can ’ t even to! You lost your paycheck, you may also be careful how to cash a check with a different last name accepting ante- or checks... Is JENA MINNICK check if you do not already have a maximum $ 8 fee! 'Limbo ' because of the issuer on the face of the teller said we would have go... Numerical amounts on the reverse side of the check is payable only to the bank with valid! New last name maiden, DH 's last name and underneath that my name... Into yours cash at a payday loan company its specific policy, or check the deposit slip for an time... Check can be found at the bank to cash a check made out to your bank is n't yet. Trained team of editors and researchers who validated it for accuracy and comprehensiveness me into that name, are... You with our trusted how-to guides and videos for free name of the joint owners signing it deposit provisional... Which can be deposited into a joint account with the issuing institution, just look the! How to cash it look if I had to promise them my first name and wo for. In her name into yours his name on the reverse side of the different names a. Sure everything is in order bank will pretty much accept any last name was slack when said! Is usually a percentage of the check reissued you have held for days.

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