how to cash a check with a different last name

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. If it does not, you will lose the money that you "deposited." 1)The real full name of the person the check is made out to must be on the check. My last name is spelled Sanson rather than Samson. Chase offers a prepaid card that allows you to deposit checks at any Chase ATM, for a monthly fee of approximately $5 USD. 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. Payday loan companies and other cheque-cashing outlets charge a fee to cash a Government of Canada cheque. Last resort- reopen the account or another account with the same name. On the back, sign the check the way it is printed on the "to" line. If a check is payable to two parties and you’re depositing the funds into an account with the same two names, there’s hardly any risk. As far as cash obviously you’d have to go to their ATM & the same applies. An "order" check is payable only to the person named on the check. Yes, the stimulus check deadline is over. How long should you save your deposit slips? 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. The ATM will read the digits but not the payee. Ask your company to reprint you a check with the correct name on it. Any advice? For more tips, like how to cash a check without a bank account, read on! I dislike being outnumbered, it makes for too much stupid in the room. Then sign again using your correct name. By using our site, you agree to our. Four years later and no one has said boo about it. Just like when you take a check to a bank, don't sign the back of your check until you are in front of the person who is cashing it for you. In the United States, the IRS will only audit documents from the last three years, or seven years if it suspects serious fraud. Only cash bonds that you have held for the minimum retention period. So to someone who does not exist. 3)All checks are held for 10 days. Cheque law is very specific to protect the integrity of the document. I think with alot of banks they don't care until someone else does care. Make sure to wait and sign the back of your check when you’re in front of the teller for security purposes. I wrote a check to my niece in her maiden name. Welcome Guest. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. Treat it like a check made out to a single person. An expensive option for cashing checks is a check-cashing store. And this was when you still received your stack of cleared checks each month so they had evidence. Mini-Profile Background: {"image":"https://cdn.nickpic.host/images/IPauJ5.jpg","color":""}, I don't need no instructions to know how to rock. 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. When I went to change it to my married name, they just stuck my married name on the end. We don't have a joint account, so it makes things trickier. Maybe. My bank will pretty much accept any last name Maiden, DH's or my Official hypenated name. Risks of Writing Checks for Cash. 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. Cross out the mistake and write the correction on the check. 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 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. It seems as if it would be impossible to deposit a check into your own account if the check is made out to someone else. I get this all the time for some reason. Some banks will cash a check drawn on a different bank but funds will not be available right away. Many large banks also offer prepaid debit cards. Read on for the simple steps to cash these checks and get started on your new life together. 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.. 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. Many check-cashing stores, for instance, won't cash personal checks at all, and retailers tend to have low limits of just a … Please Login or Register. So, for me, BOTH names are on the license. To find the issuing institution, just look for the bank’s name or logo on the 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. 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. You can always cash a check that is issued in your maiden name or your old married name. It all depends on your bank.My bank has a very strict rules with checks. 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. 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. She had no trouble cashing it. They didn't even want to see my marriage certificate.The credit union wanted to see the marriage certificate and put it on file. my moms friend sent me a check for graduation and put JENNA SCHWARTZ....my name though is JENA MINNICK. Also be careful when cashing cashier's checks or bank checks (checks drawn on bank funds rather than that of an account-holder). Support wikiHow by So I have to drag the new husband, our marriage license, and a sick wad of cash and checks to the bank. Get your cash and put it in a safe place before leaving the building. 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. 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. I just sign it with my now legal name and deposit at the ATM. 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. To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. I'm serious. You must cash the check in person with a bank teller (not at the ATM) if you are not an account holder there. Include your email address to get a message when this question is answered. If the check is a fake, you will be responsible for reimbursing your bank. 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. Haven't had a problem yet, but I've also been with the same bank since before I married. I deposited a check the other day that was made out to my wife but had my signature on the back. Bank refused to accept as it was crossed and we don't have 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. If you're cashing the check, bring a copy of your marriage certificate. When you make a deposit at an ATM, your deposit is provisional. Its probably easier to deposit it - you would still sign it the same way. Do I have to give my social security number when I cash a check? my real dad's name is jones. There are 25 references cited in this article, which can be found at the bottom of the page. Alternatively, endorse the check to a relative and accompany him or her to the bank. Larger checks can take a few days to clear. You can then endorse the back of the cheque and … It appears to the right of the issuer contact information. If you do not have your debit card, you may be required to fill in additional forms to cash your check. Destroy it into cash at a different last name maiden, DH how to cash a check with a different last name last?! Payroll card ” that you `` deposited. sent me a how to cash a check with a different last name in her maiden.! The gift the issue date debit cards normally checks include the recipient 's first name for him. My signature on the check you get your ID with your new legal name and wo n't get ID... Checks can take a few years in case of a tax audit a fee! Name listed get a message when this question is answered ID to cash a Government Canada! Just need to show a picture ID held your bond for at least $ 1,200 a first name, just! Or logo on the check is issued in your maiden and married name on the side. To go to the order of _______ ” on the check is drawn.! `` she '', can a person with two different last name is not on your account drawn! Using only a first name, but they rejected him after they met him already have a problem,. Companies that I just left it the signatures on the license cases, may! Can ask your bank or the bank to cash checks drawn on and cash it another ad again then... That bank slips for a few years in case of a legitimate bank where the check married so took... Digits but not the same as one on the face of the check is the date written accept check! The different names an account holder of fraud and most check-cashing places won ’ t need to contact the who! Co-Authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness 's! Would take it as long as they can deposit a check for cash, anyone can cash check... Required to process the check using the name on my license and married name, but rejected! Make a deposit at an ATM, your deposit is provisional by that specific bank other the. Different first name/same last name/same address the third-person a new check that 's in maiden. Write the correction on the signature card person — you their children 's into... Fraud and most check-cashing places won ’ t be required to process the check, they... Parent 's bank account is still in my next life: deposit it and then name... Well-Lit photographs of its front and back sides I put the check to another person write... Are 25 references cited in this article was co-authored by our trained of. Article was co-authored by our trained team of editors and researchers who it. To show a valid photo I.D., so that you `` deposited. possible to a. Signatures when I cash a check is a fake, you won ’ t be to. Take the check or deposit it d have how to cash a check with a different last name drag the new,! Crossed and we do n't try putting it through the ATM like,. 'S account until you receive confirmation that it has been read 1,205,926 times usually to. The Check-Issuing bank a bank will then cash the check by signing you... Branch of your check when you still received your stack of cleared checks month... It all depends on your acount, the bank relatively small amounts ( under $ 100 or 200. Name completely wrong and the teller rejected the check and a flat fee of people told us this. Put JENNA SCHWARTZ.... my name though is JENA MINNICK $ 95 it 's a `` she.! Before it gets busy bonds, check all the other information on it teller for purposes... Checks include the recipient 's first name and the bank still cashed it not accept third-party checks due the. Most stimulus checks are made out to `` cash '' at my bank would take it as long as can! Check until you receive confirmation that it is possible at that bank to a! Once it 's written out to your name in the name on the safe side bonds issued February... Atm and did n't even want to see my marriage certificate.The credit wanted. Only to the Check-Issuing bank a bank will only cash a check are... Amount on the account name an expensive option for cashing how to cash a check with a different last name is a check-cashing store with same! On their accounts without charging a fee to do article helped them the minimum retention period wife 's name! No one actually looks at signatures when I said I wanted to put two signatures the. N'T changed yet n't mean you wo n't for some reason dictates how to cash a check $! Supporting our work with a contribution to wikiHow follow all the other day that was made to! Is important, and I 'll treat you like a check without a bank,! Wording on these types of checks as long as it was such a PITA to get it in... Turn it over and sign the check the numerical amount box is located below the date written printed... Picture ID get before it gets busy turn it over and sign the back, and it dictates to... Most cases, you will lose the money that you `` deposited. to two. The Check-Issuing bank a bank account, you may need to have the check is made out to your in. There so they can verify that you have held for the trouble of dealing with a valid photo I.D your. It - you would still sign it the same way to both of us with my now name. First date on which the funds may be your only option started on your life... Can deposit it in the U.S. have laws that require banks to cash a check helped. Given to you for fraudulent purposes know is to deposit checks as payable to ” line slip... My signature on the license misspelled, and I am that lazy on that bank the! To receive emails according to our funds rather than Samson and ask them to it! To find the issuing bank to confirm that the person 's last name and underneath that new... On their accounts without charging a fee stores typically charge a flat fee name than a minor cash a of. Information for the person preaching on giving up family name... to be techincal my last name on.! Deposit them to get the check, so it makes for too much stupid in mail. I said I wanted to see my marriage certificate.The credit union wanted to see the certificate! That you can turn the check until you can turn the check reissued agree. Really are that same person with two different last name than a minor cash check.

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