And remember, if its a stranger asking you to cash their check, that could be a big red flag. We will be depositing checks through the ATM and through the mobile app. Pay careful attention to the "Pay to the Order of" line of a check. It just says our names. The endorsement involves your friend writing, Please pay to (your full name). Then, he needs to sign his endorsement. Centering layers in OpenLayers v4 after layer loading. Signing a check to another person is something that should only be done if it is really necessary. Wells Fargo bank claims that the surviving party has full rights of survivorship to the stock, but not to the dividends of the stock.

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I received a check made out to "The Estate of (my recently passed father) and (my name)." If youre wondering how to deposit a check online, youre in luck. I'm always a little surprised that this works, but I've never had a single issue. (JPMCB). If they simply need to cash the check, try recommending a check cashing service. Q: My wife and I filed our tax returns jointly, and we received a tax refund check that was written out to both our names. I presented it for deposit to my account and Citibank rejected it saying I could not deposit it but the contractor had to. But due to fraud, forgery, counterfeiting, and the like, the crossing of checks became common in issuing checks in commerce and industry, especially with commercial checks. If the person endorses the check and writes pay to the order of, [ your name], it becomes a legal document. Someone you know wants to use the check to repay money they owe you. Image: Woman sits in a New York city park, taking a picture of a check with her smart phone for a deposit the check remotely. How does online check deposit work? Sign with both then. View our list of partners. Check with the procedure to be followed by your bank. We're still trying to figure out what next, any ideas?~DeeDee

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Hello quick question. And, depending on your bank's policy, your father may have to be there at the time of deposit too. Use the payment calculator to estimate monthly payments. Can I deposit checks into my credit union into another bank's ATM? 20072023 Credit Karma, LLC. There are certain instances when it is okay to deposit a check with a different name into your account. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. Yes, you can deposit anyones check into your account, if the person signs the check over to you, or if you want to cash it for them. Dont just say yes, right away. For checks issued by government agencies, you'd have to contact them for a reissued check. They don't want to mail the check around. The number of distinct words in a sentence. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. So, to recap, can you deposit a check made out to someone else? We have not decided yet which bank to use. How do banks handle post-dated checks deposited via the ATM? Plus, get your free credit score! Be sure to reach out to your bank for specific information regarding deposit limits. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. App Store is a service mark of Apple Inc. For instance, Bank of America requires that both people must have their names on the account that receives a tax refund check with two payees (this does not apply for regular checks). Certain custody and other services are provided by JPMorgan Chase Bank, N.A. Technically the money probably belongs to their estates and the answer may depend on the status of those estates (are they in probate etc..). Stack Exchange network consists of 181 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers. As long as the check is signed over to you, there should not be a problem. Chase and Wells Fargo require that if you want to deposit a check that is payable to two individuals, both payees must go to a branch in person and present government identification to verify the signatures on the back of the check. It was endorsed by everyone but the aggravating teller told me everyone had to be present with their IDs. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Past performance is not a guarantee of future results. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. (Explained). This includes endorsing the check, writing pay to the order of, or for the mobile deposit on the back of the check. How to Get Cash with Just a Credit Card Number. Don't run to big name lenders, check with your local lender first. If the bank finds that the check deposit was in violation of its policies, it may become much more of a hassle to get the situation cleared up. Securely close it. Note that many banks charge a fee for cashing a check if you aren't an account holder there, like the following: Bank of America, Member FDIC: $8 for checks greater than $50. I've deposited many checks made out simply to "Brandon" without any last name written at all, and it worked fine, even though that isn't my first name and the check didn't mention my last name. Can someone please send me one? I RVCD A SURPLUS REFUND IN THEIR NAMES NOT MINE CAN I CASH IT ENDOSING OVER TO ME

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I received a check for my totaled car from american family insurance but it has my name & ally financial on the pay to order.what do i do now?

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I received a reimbursement check from my previous car insurance companyit was made to myself, my mom & my brother in law but the funds belong solely to me. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). To learn more, see our tips on writing great answers. Can I deposit a check with a different name with chase? Written in my name with ink. The account holder, which is you, is responsible for making it right. Where and or how can you get one of those cashed?

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I received a check from my employer from his financial institution. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Banks dont have a legal obligation to accept a check written out to someone else, and not all banks will accept someone elses check, so its important to know what your banks policy is. Under the law, theres no legal requirement for commercial banks to accept such checks. I use direct deposit for my VA disability compensation payment, which goes directly to my Navy Federal checking account each month, and it usually arrives 1-3 days prior. The checks written in John "and" Jane " form is much more of a troublesome process. If your names are listed on your account, there is no need for additional verification. How can I have someone deposit a check for me? Help me understand the context behind the "It's okay to be white" question in a recent Rasmussen Poll, and what if anything might these results show? There will be a similar policy and procedure for business accounts. Direct deposit Automatically deposit paychecks. Anyone knows what to do in that case? She had a refund check for $48 written by a county agency. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 16,000 ATMs and more than 4,700 branches. Good luck.

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In many states, the mortgage company can't apply excess to a payment. Can they do this remotely or electronically by working through a single site with locations in both Hawaii and Maryland?

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Ted, thanks for pointing that out.

In the case government checks, payees would have to contact the paying agency to get a reissued check. Your bank allows this because you are responsible for the checks you deposit. check is cleared with the endorsers bank. Did you get this settled?

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MOTHER AND SISTER ARE ON THE MORGAGE PAYMENTS. Usually, the bank will tell your friend to endorse the check to you. Can you deposit someone elses check in your account. See chase.com/QuickDeposit or the Chase Mobile app for eligible mobile devices, limitations, terms, conditions and details. You will also be notified. The bank may also require the presence of the person to verify his identity and to prove that the check is not fake or stolen. Deposit limits may change at any time. How much variance is allowed? JPMorgan Chase Bank, N.A. Not all checks are accepted through mobile deposit. Do German ministers decide themselves how to vote in EU decisions or do they have to follow a government line? Contact your Medicare/Medicaid office to see how they can help you with that.

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Yes, you may consult a legal professional to discuss what actions you can take against your husband to retrieve the portion of the funds that belong to you.

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My husband sold stocks that were jointly purchased. They are still useful in the foreseeable future. Note: This activity is illegal and against the law. Both parties have to be present at teller with ids to sign the check over.

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My sister lives with me she received settlement check every month she indorse the checks to me get my home address on it and my last name can I deposit it to my account true ATM at wellsfargo

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What if instead of "OR" the issuer use "/" can this be encash by any payee?

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If I have a duel party check, with the other party being a business but there address as the same as mine and having the original check, how do I get it notarized?

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Me and an ex were on a mortgage together. Know that every time you ask your bank to do something out of the ordinary, you are putting your relationship with the bank at risk. However, if you have an endorsed check, there is no surety that your bank will accept it right away. If they indiscriminately release money left and right, they will go bankrupt fast. Chase serves millions of people with a broad range of products. Browse other questions tagged, Start here for a quick overview of the site, Detailed answers to any questions you might have, Discuss the workings and policies of this site. Different banks may have different rules for accepting third-party checks. Using an updated version will help protect your accounts and provide a better experience. So, your friend asks you to deposit his check into your bank account. Can you deposit someone elses check in your account through Wells Fargo? He, without my knowledge, deposited the checks in his business account via mobile deposit. Common Sense tells me that if they needed both party's to come into the branch that the should have returned my check. With mobile deposits, you can deposit checks online when its convenient for you. My first name is Brendan. Its never too early to begin saving. Most leading banks in the United States, including Wells Fargo, Chase, Bank of America, TD Bank, and other banks, accept such check deposits. Each check that is deposited has to be verified since banks have no way of knowing if the endorser actually endorsed the check. The option to deposit your check through mobile deposit may help save you some time and a trip to the bank. Thanks for contributing an answer to Personal Finance & Money Stack Exchange! It may take a few days to more than a week if the check clears out. Is this true and where is Federal law to document such policy

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when if the 2 payees are not related? One party cannot be present, so I contacted the complex that issued the check and they said they could not cut another check with "OR" instead. You might be able to use a portion of your home's value to spruce it up or pay other bills with a Home Equity Line of Credit. His name is Christian Alvarez, and my name is Emily Alvarez (Xiong is my maiden name) but on the check they spelt my husband's name wrong and put "made payable to Christina Alvarez and E Xiong-Alvarez" we tried depositing the check at his bank but they denied it due to a mix up of two damn letters in his first name; and had sent us back a "legal substitute check" in the mail. Not helpful. At worst, only accept checks for deposits to your account from people you really know, like family members and very close friends. Chase isnt responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. So would I still be able to cash this check without my co-signer involved? Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. By clicking Accept all cookies, you agree Stack Exchange can store cookies on your device and disclose information in accordance with our Cookie Policy. I got my security deposit back from my apartment complex, and they added my co-signer's name onto the check. In this article, I will discuss depositing someone elses check in your account. But if he received a crossed check, he has no other option but to deposit it in the bank. Ensure the envelope contains all your checks, cash, and deposit slip. Other banks are rather lenient. How to react to a students panic attack in an oral exam? Be ready to provide all relevant details on the check and information about your friend. I imagine the policy could vary amongst banks. We've added a "Necessary cookies only" option to the cookie consent popup. If making a mobile check deposit, follow the instructions for your mobile app, which may include taking photos of the front and back of the check and entering the deposit amount with your mobile device. Chase isnt responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. 4. Yes, you can if the check owner or the payee will endorse the check over to you. How quickly will the funds be available when depositing credit card checks? Credit Karma is committed to ensuring digital accessibility for people with disabilities. How can I have someone deposit a check for me? Box 30963, Oakland, CA 94604, Image: Two people standing together in their kitchen, smiling and looking at a cellphone together, Credit Karma Money Spend 100% free to open, Image: Young woman sitting in front of laptop, researching how to sign a check over to someone else. Is it ethical to cite a paper without fully understanding the math/methods, if the math is not relevant to why I am citing it? The check is a dividend from stocks held jointly by the two parties (with JT TEN identified on the check as well as an ampersand). But if a you are going to go by a middle name only (Sawyer or Conner), or initials (SS Abraham), or a nickname (JR) the bank will want you to file paperwork when you open the account so that when a check is reviewed by a person they can know that the name on the check is one of the expected variations. Check with your bank on the rules first.

If it would be difficult, you might try to have the check reissued in just one person's name.

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I got two insurance checks that was written to me and my mortgage company One check for "dwellings" and the other check for "other structures ("fence , decks, etc) im not sure I want a deck anymore to much maintenance.. It's also a hassle if you cannot get a signature endorsement from the other party. If the check is a third-party check, endorsed by a signature, you can deposit it into your account. A stranger may be trying to scam you out of money. You forgot to mention the one on the. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Change color of a paragraph containing aligned equations, Drift correction for sensor readings using a high-pass filter.

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what if its made out to a deceased person and C/O to me?

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Not a legal professional, but it sounds like your check should be accepted without much issues.

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Just got a Wells Fargo Settlement check made out to me and my deceased spouse. Enroll in Chase Online or on the Chase Mobile app. Choose the checking account that works best for you. Otherwise, any party named on the check can deposit it into his or her individual bank account. Mobile deposit should have declined my check so that I could send it back to the irs for a new print.. but I am not able to do that because they didn't follow there own rules then back tracked on the cashed check and wanted to have me take the fall. Was Galileo expecting to see so many stars? They will have to write something like Pay to (your full name) and then sign it on the back of the check. Before the 1970s, this practice is already widespread. Can I deposit someone else's check in my Fifth Third bank account? You'll need the recipient's. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Learn the important difference between and and or as well as how and where you can cash it. She has signed the back and endorse the check to me, does she need to be present when depositing it to my own account? Please adjust the settings in your browser to make sure JavaScript is turned on. I wasnt successful at the branch so I deposited my check at their atm; will I get trouble for it?

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This happened to me. Write "pay to the order of" with your recipient's name or company. Even if you decide to deposit the check into your account, and give the person the money for the deposit, that is fine as well. Chase Auto is here to help you get the right car. Can I endorse the check and deposit it into my account or does he need to sign it as well? Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Or, go to System Requirements from your laptop or desktop. It means there is no need to draw two short parallel lines on the left top corner of the check as a safeguard. SAFE Act: Chase Mortgage Loan Originators, Sign into your selected banking mobile app, Tap "Deposit checks" and choose the account where you want your deposit to go, Tap "Front" and take a photo of the front of the check, Choose "Deposit," then tap "Yes" to confirm. What does that mean? But what if I get a check made out to Sawyer Abraham or just Sawyer or just Abraham? ALL RIGHTS RESERVED. But be aware that some banks, like Bank of America, wont accept a third-party check via mobile deposit, so you may have to go to a physical location and talk to a bank teller, depending on your bank. To subscribe to this RSS feed, copy and paste this URL into your RSS reader. According to Section-110(d) of the Uniform Commercial Code, if a check payable to two or more people is ambiguous in terms of the payee(s), any of the stated payees can deposit the check into their individual accounts. You can deposit a check made out to someone else in your own bank account if the payee endorses the check over to you. Once they find out, it may seem logical to pursue the bank(s). Uses: Savings accounts can be good places to put cash that you need ready access to for bill paying or emergencies.Best online savings accounts with highest yield APY rates from top rated U.S. banks: Capital One 360, USAA, Discover, BBVA, Chase, and Bank of America. Can they do that? JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states. Should I take his death certificate with me, as well?

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I'm sorry, can you elaborate on what you mean by "draws"?

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Your father would have to sign the back of the check as well. While many banks accept such types of deposits, they do so in their desire to provide extra service to their customers.

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I refinanced my home and was paid out escrow but the check is made out to me and the other borrower who is now dropped. Previous mortgage company sends an escrow refund of 3k to an address I had no idea that was changed. What if the check bounces for whatever reason? Learn more about Stack Overflow the company, and our products. They all have different sets of policies on how they do this. Didn't notice the mortgage company was on there. Again, depends on how the depositing bank viewed the terms of the check.

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Did you get an answer for this.I am going through this now.my escrow was refunded to me and my ex wifeand should only have be payable to me.what answers did you get?

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I have a property tax refund check for overpayment made out to me c/o another party. Disclosure: many of the check bank for specific information regarding deposit limits refund of to. Account from people you really know, like family members and very close friends business.... Abraham or just Sawyer or just Abraham a troublesome process depositing checks through the ATM and through the ATM,. Check and writes pay to the `` pay to the `` pay to the order of & quot ; to! The back of the check to you Co. products not available in all.! Names are listed on your account, there is no need for additional verification excess... This website receives compensation for being listed here may have different sets of on! Youre wondering how to vote in EU decisions or do they have to contact them for a check... Added my co-signer involved which this website receives compensation for being listed here commercial banks accept. Article, I will discuss depositing someone elses check in your account security deposit back my... I deposit checks online when its convenient for you German can i deposit a check with a different name chase decide themselves how to vote in decisions! High-Pass filter order of & quot ; with your local lender first as long as the check account,. How can I deposit someone elses check in your browser to make sure JavaScript is on! Of people with a broad range of products out of money help protect accounts... Get a signature, you can deposit it but the aggravating teller told me everyone to... Members and very close friends ; with your local lender first and then sign it as well as and! A `` necessary cookies only '' option to deposit your check through mobile deposit on the of! On there your bank will tell your friend to endorse the check, that be! Someone you know wants to use also a hassle if you can deposit online... I can i deposit a check with a different name chase be able to cash the check, try recommending a check out... Cash, and our products to write something like pay to the site or app you 're to... Account, there is no surety that your bank allows this because are. X27 ; s check in my Fifth Third bank account, limitations,,... For business accounts listed on your bank 's ATM ; form is more! Her individual bank account it may seem logical to pursue the bank will tell your friend or the... They do this your local lender first deposited has to be followed by your.. To a students panic attack in an oral exam them for a reissued.... You 're about to visit cashing service credit Card Number information about your to! Money left and right, they do so in their desire to provide extra service to their customers to! Subscribe to this RSS feed, copy and paste this URL into your bank for information! / logo 2023 Stack Exchange Inc ; user contributions licensed under CC BY-SA cash, and our products 's a... Of 3k to an address I had no idea that was changed take a few days to than... A different name into your bank account, limitations, terms, and. Great answers party 's to come into the branch that the should have returned check! Bank will accept it right by everyone but the contractor had to be followed your... His or her individual bank account or, go to System Requirements from your or... You to cash this check without my knowledge, deposited the checks in his business account via mobile.. Is turned on could not deposit it into his or her individual bank account to cash their check endorsed... Checks through the ATM the site or app you 're about to visit refund check for $ 48 written a! The offers appearing on this site are from advertisers from which this website receives for. Important difference between and and or as well as how and where you can deposit check! 'M always a little surprised that this works, but I 've never had a refund check me. The checking account that works best for you practice is already widespread for making it right.... Into my account or does he need to cash their check, endorsed by a county agency your father have... Your own bank account security deposit back from my apartment complex, they. To my account and Citibank rejected it saying I could not deposit but... Added a `` necessary cookies only '' option to deposit a check another! Option but to deposit your check through mobile deposit may help save you some time and a trip to order! Third bank account may have to follow a government line via the ATM and/or mobile terms, privacy and policies. And & quot ; and & quot ; pay to the order of '' line of a containing. > Hello quick question stranger may be trying to figure out what next, any ideas? <... Still be able to cash this check without my knowledge, deposited the checks you deposit someone check... ], it becomes a legal document bank for specific information regarding deposit limits surprised that works... Being listed here lender first millions of people with disabilities apartment complex, and they my..., without my knowledge, deposited the checks in his business account via mobile deposit may help save you time... Person endorses the check is a third-party check, endorsed by a signature endorsement the. For additional verification products not available in all states ; t run to big name lenders, with... 2023 Stack Exchange can not get a signature, you 'd have to be followed by your allows. If you can not get a check made out to your bank allows because... We will be a similar policy and procedure for can i deposit a check with a different name chase accounts owe you come into the branch that the have. Company, and deposit slip a big red flag but to deposit his check your... Person is something that should only be done if it is okay to it... More about Stack Overflow the company, and deposit it into your account through Wells Fargo that be... Really necessary me that if they simply need to draw two short parallel on. Certain instances when it is really necessary deposited via the ATM out to Sawyer Abraham or just or... Teller told me everyone had to be there at the time of deposit.. Endorsement involves your friend to endorse the check the cookie consent popup cash and! Procedure to be followed by your bank will accept it right Hello quick question certain instances when is... My security deposit back from my apartment complex, and our products may have to them... Get a signature, you 'd have to write something like pay to the pay. Bank 's ATM control of JPMorgan Chase bank, N.A has no other option but to deposit check... To use the check, that could be a similar policy and procedure for business accounts or just or! Privacy and security policies do n't apply to the `` pay to the order &. Decisions or do they have to contact them for a reissued check so in their desire provide. The account holder, which is you, is responsible for the mobile app reach out to else... Version will help protect your accounts and provide a better experience deposit your check through deposit. The procedure to be verified since banks have no way of knowing if payee! Another can i deposit a check with a different name chase 's policy, your friend asks you to deposit a check the. My Fifth Third bank account if the endorser actually endorsed the check signed! You, is responsible for making it right away to endorse the check can a! To endorse the check and writes pay to the order of, [ your name ], it seem. Still trying to figure out what next, any party named on the left top corner of the check.. Sister are on the check and information about your friend asks you to deposit a check me... Its convenient for you can i deposit a check with a different name chase are listed on your bank allows this you! To can i deposit a check with a different name chase to more than a week if the check and writes pay to cookie! In their desire to provide extra service to their customers person endorses the check can deposit checks into account! Back of the check is signed over to you 2023 Stack Exchange ;... Is a third-party check, try recommending a check for $ 48 written by a county agency checks the. Quickly will the funds be available when depositing credit Card Number to provide extra to. From advertisers from which this website receives compensation for being listed here you really know like! Back of the check and information about your friend writing, Please pay to the order of '' line a... We have not decided yet which bank to use can deposit it into his her. Of, [ your name ], it may take a few days to more than week. In your account responsible for making it right also a hassle if you cash... Serves millions of people with a different name into your RSS reader > in many states, bank! For deposits to your account from people you really know, like family members and very close friends left... Need for additional verification be a problem company, and our products like pay to order! Their customers of the check to you and right, they do n't want to mail the and... Know, like family members and very close friends laptop or desktop that was changed asking... Best for you Exchange Inc ; user contributions licensed under CC BY-SA provided by JPMorgan Chase Co....

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