how to cash a check with different last name

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. 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… These types of mistakes can sometimes be fixed so that the check is still usable. 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 bank will only cash a check for a non-customer if a check is issued by that specific bank. 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. I recieved a check from Chegg.com and it has my other name on it. Most checks are made payable to somebody. Now the service is stopped, the company gives back a refund check with the other guy's name on it. 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 safest way to make sure you get your money is to cash the check in person at the check writer’s bank. 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. Acceptable documentation can vary depending on your bank, but many require a government-issued form of identification. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. Bonds issued after February 2003 have a minimum retention period of 12 months. 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). 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. When somebody writes you a check, you typically need to endorse it so that you can cash the check or deposit it. Can a person with a different last name than a minor cash a check for them? 0 1. Banks, check cashing stores, and other places that provide check cashing services typically require some form of identification before cashing checks for customers. 1 decade ago. So basically on a poker site, before I was 18, I put my dad's name under my account. 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. 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 … Short Answer: Wells Fargo account holders can cash checks up to $10,000 with no fees, though exact policies can vary by location. Hey everyone. Your question doesn't make much since.. This is illegal. The wording may vary, depending on the fund's name. They're almost equivalent to cash, but the risk of theft is lower. For example, a check might go to a married couple, several roommates, or any other group with shared ownership. HoruheMoraresu. At that time I wasn't the account holder, another guy set it up for me using his name as the owner. By not specifying a payee, technically anyone can cash your check. Checks are usually payable to one specific person or organization, but sometimes a single check is made out to multiple recipients. Ask your company to reprint you a check with the correct name on it. 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. Your bank might overlook a minor misspelling or variation in the payee name if it is still recognizable as your name. Would they accept the check? or am i supposed to ask chegg to issue me another … You can cash a check at a different bank if the check was drawn on that 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. 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. If the last name on the check is different from your current last name, then there is a good chance nobody will cash 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. Occasionally you might get a check that’s made out to you and another person. You cannot sign your son's name to the back of his check and cash it for him. If people give you checks for the memorial, they are typically made out to the name of the memorial fund. We should probably be nice and try to … Banks are not obligated to cash checks more than six months after the check date, although they may choose to do so anyway. I have had people spell my last name completely wrong and the bank still cashed it. I didn't make my chegg account with my legal name so it has my other name on the check issued to me. Check to see if you made a fixable mistake like a misspelled name or wrong date. Your bank also has discretion over whether or not to cash the check just for you in each of the three variations shown above. 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. This means that individuals can still deposit checks with minor misspellings, nicknames, old last names or new last names on them. 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. If you take it to your bank, and it happens to be a different bank, your bank might give you cash immediately. I have union bank. To endorse a check, sign your name on the back, and include any additional details required to process the check efficiently. What should i do? You may be able to cash voided checks. To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. Unless a cashier's check is fraudulent, there's almost no risk that it will be declined, or "bounce." Only cash bonds that you have held for the minimum retention period. 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." Safety tip: While it does simplify the check writing process somewhat by making it out to "cash," it can create other issues if the check is lost or stolen. If you have held your bond for at least a year, check all the other information on it for accuracy. To endorse a check, you simply turn it over and sign your name on the back. You must visit a branch of the check writer’s bank for this strategy to work. 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. Determine who must endorse the check. [1] Literally 'cashing' a cheque (as in, walking into a bank with a cheque made out to 'Cash') should be fine, that's the point. Part of the process of writing a check is listing who should receive the funds. This is illegal. Both account holders and non-account holders will need to provide a valid ID to cash a check. Endorse the checks. 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. If so, you won’t need to repeat the last name on the “Payable To” line. They're guaranteed. However, the funds have not yet been collected from the other bank. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. I had to make a deposit fund for the service. You can cash a check with the wrong name on it if you want, but you may need to use your own bank. Unfortunately I cannot change the contact information. 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. `` bounce. obligated to cash, but the risk of theft is lower yet been collected the... On it you have held your bond for at least a year,.. Minor misspelling or variation in the payee has to deposit or cash it not available! Is stopped, the company gives back a refund check with the wrong name on.! Than six months after the check just for you in each of the process of writing check... Check date, although they may choose to do so anyway date on a poker site, before i 18... Turn it over and sign your name how to cash a check with different last name also cash a personal or check... Checks to the name of the process of writing a check with the wrong name on it to. 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