I think just one of you has to endorse in order to cash the check, even if it is made out to both of you. For example, you’d get a multi-party check if you are due a tax refund and you and your spouse filed a joint tax return. Your question doesn't make much since.. To cash a check in a Chase lobby or drive-through, you’ll need to sign the back of the check on the top line (for business printed checks) or the only line (for personal checks). Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. Only cash bonds that you have held for the minimum retention period. You may be able to cash voided checks. Banks, check cashing stores, and other places that provide check cashing services typically require some form of identification before cashing checks for customers. Now the service is stopped, the company gives back a refund check with the other guy's name on it. To endorse a check, sign your name on the back, and include any additional details required to process the check efficiently. I have union bank. Both account holders and non-account holders will need to provide a valid ID to cash a check. If you don't know the name or if you want to write a check to yourself, you can simply make a check out to "cash." If only your name is listed on the payee line of the check, your signature is all that is needed to cash or deposit the check. By not specifying a payee, technically anyone can cash your check. To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. The wording on these types of checks is important, and it dictates how to handle the check. 1 decade ago. These types of mistakes can sometimes be fixed so that the check is still usable. When somebody writes you a check, you typically need to endorse it so that you can cash the check or deposit it. A bank will only cash a check for a non-customer if a check is issued by that specific bank. 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. 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. This means that individuals can still deposit checks with minor misspellings, nicknames, old last names or new last names on them. 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. However, the funds have not yet been collected from the other bank. ... 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. You can cash a check with the wrong name on it if you want, but you may need to use your own bank. I do have a school ID with that name on it but since its not my legal (bank name) iduno if they'd accept it. 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. If I request a check, and it's sent to his first name, but my last name, can I still cash it in? At that time I wasn't the account holder, another guy set it up for me using his name as the owner. Most will allow you to deposit the check if it is substantially close to the name on your account. If you try to cash a post-dated check (one with a future date on it) and a bank refuses to cash it, the bank may be following instructions from the person who wrote the check… Retailer that can load cash onto prepaid debit cards: Prepaid debit cards let you deposit your check, add it to the card’s balance and withdraw cash. Can a person with a different last name than a minor cash a check for them? To endorse a check, you simply turn it over and sign your name on the back. Banks are not obligated to cash checks more than six months after the check date, although they may choose to do so anyway. For example, if the fund is named "For the Family of John Smith" it is endorsed by an authorized account holder writing this title on the back of the check. So basically on a poker site, before I was 18, I put my dad's name under my account. or am i supposed to ask chegg to issue me another … Occasionally you might get a check that’s made out to you and another person. Endorse the checks. Most checks are made payable to somebody. 0 1. Check to see if you made a fixable mistake like a misspelled name or wrong date. They're guaranteed. While most financial institutions will accept and cash checks if a payee’s name is misspelled, you shouldn’t bank on this likelihood. If you wrote the wrong amount of money on the written section, this can’t be corrected and won’t be accepted by the bank. For example, a check might go to a married couple, several roommates, or any other group with shared ownership. That step makes checks safer than cash because the named payee is the only person allowed to deposit or handle the check (although it can be … As a general rule, you can deposit a check in the wrong name as long as you can prove that you're the intended recipient. Hey everyone. Some banks will cash a check drawn on a different bank but funds will not be available right away. A small local credit union for example may know you and the other payee personally and be a little more relaxed about cashing/depositing the check versus a national financial institution with many branches and cashiers that have never interacted with you before. All but 3 of our checks were made out to both of us, using my new last name. This is illegal. Your bank also has discretion over whether or not to cash the check just for you in each of the three variations shown above. If you have held your bond for at least a year, check all the other information on it for accuracy. If the names are separated by a comma, “or,” “and/or,” or nothing at all, you can endorse and cash the check yourself. You cannot sign your son's name to the back of his check and cash it for him. The date on a personal or business check can dictate the last opportunity the payee has to deposit or cash it. Would they accept the check? They're almost equivalent to cash, but the risk of theft is lower. Acceptable documentation can vary depending on your bank, but many require a government-issued form of identification. I didn't make my chegg account with my legal name so it has my other name on the check issued to me. If someone's else name is also listed, they only have to sign the check if the word "and" or the symbol "&" appears between the 2 names. Literally 'cashing' a cheque (as in, walking into a bank with a cheque made out to 'Cash') should be fine, that's the point. Your bank might overlook a minor misspelling or variation in the payee name if it is still recognizable as your name. The wording may vary, depending on the fund's name. If you take it to your bank, and it happens to be a different bank, your bank might give you cash immediately. If you are a Chase Bank customer, you can also write your account number on the line or space below where you’ve signed your name. We should probably be nice and try to … Walmart will also cash a personal check of up to $200 for a fee of $6. If the last name on the check is different from your current last name, then there is a good chance nobody will cash it. Ask your company to reprint you a check with the correct name on it. And I think if it is made out to only you, your bank will still cash it if you explain the situation -- which you may not even need to do. Short Answer: Wells Fargo account holders can cash checks up to $10,000 with no fees, though exact policies can vary by location. The writer of your stale check may have specified “void after 90 days” or something similar on the check when he issued it to you. Part of the process of writing a check is listing who should receive the funds. Unless a cashier's check is fraudulent, there's almost no risk that it will be declined, or "bounce." Unfortunately I cannot change the contact information. [1] Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. Determine who must endorse the check. I had to make a deposit fund for the service. Check cashing services for payroll checks, government checks, tax checks, and money orders are available at many Walmart stores for a small fee—$4 for checks $1,000 or less and $8 for checks higher than $1,000, with a maximum check amount of $5,000. If so, you won’t need to repeat the last name on the “Payable To” line. 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. Bonds issued after February 2003 have a minimum retention period of 12 months. HoruheMoraresu. You can always cash a check that is issued in your maiden name or your old married name. If people give you checks for the memorial, they are typically made out to the name of the memorial fund. 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." I recieved a check from Chegg.com and it has my other name on it. You can cash a check at a different bank if the check was drawn on that bank. Checks are usually payable to one specific person or organization, but sometimes a single check is made out to multiple recipients. What should i do? The safest way to make sure you get your money is to cash the check in person at the check writer’s bank. Most checks give you a space on the back for your endorsement. 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. This is called a multi-party, or joint, check. You must visit a branch of the check writer’s bank for this strategy to work. Ty. 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