how to cash a check with different last name

These types of mistakes can sometimes be fixed so that the check is still usable. I have had people spell my last name completely wrong and the bank still cashed it. They're almost equivalent to cash, but the risk of theft is lower. So I have to drag the new husband, our marriage license, and a sick wad of cash and checks to the bank. This is illegal. Checks are usually payable to one specific person or organization, but sometimes a single check is made out to multiple recipients. 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 wording on these types of checks is important, and it dictates how to handle the check. Bonds issued after February 2003 have a minimum retention period of 12 months. 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. 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). To endorse a check, you simply turn it over and sign your name on the back. 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. By not specifying a payee, technically anyone can cash your check. The safest way to make sure you get your money is to cash the check in person at the check writer’s bank. For example, a check might go to a married couple, several roommates, or any other group with shared ownership. You can cash a check with the wrong name on it if you want, but you may need to use your own bank. 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. Your bank also has discretion over whether or not to cash the check just for you in each of the three variations shown above. All but 3 of our checks were made out to both of us, using my new last name. Only cash bonds that you have held for the minimum retention period. 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. 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. To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. 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. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. If you have held your bond for at least a year, check all the other information on it for accuracy. The wording may vary, depending on the fund's name. To endorse a check, sign your name on the back, and include any additional details required to process the check efficiently. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. If so, you won’t need to repeat the last name on the “Payable To” line. Would they accept the check? Banks, check cashing stores, and other places that provide check cashing services typically require some form of identification before cashing checks for customers. If the names are separated by a comma, “or,” “and/or,” or nothing at all, you can endorse and cash the check yourself. HoruheMoraresu. 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. 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. This is called a multi-party, or joint, check. While most financial institutions will accept and cash checks if a payee’s name is misspelled, you shouldn’t bank on this likelihood. Your question doesn't make much since.. If you take it to your bank, and it happens to be a different bank, your bank might give you cash immediately. This means that individuals can still deposit checks with minor misspellings, nicknames, old last names or new last names on them. [1] You must visit a branch of the check writer’s bank for this strategy to work. Some banks will cash a check drawn on a different bank but funds will not be available right away. 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. 0 1. They're guaranteed. 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. Ask your company to reprint you a check with the correct name on it. I had to make a deposit fund for the service. 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. Unless a cashier's check is fraudulent, there's almost no risk that it will be declined, or "bounce." Ty. Literally 'cashing' a cheque (as in, walking into a bank with a cheque made out to 'Cash') should be fine, that's the point. 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. Unfortunately I cannot change the contact information. 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. You can always cash a check that is issued in your maiden name or your old married name. I have union bank. 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. Both account holders and non-account holders will need to provide a valid ID to cash a check. I didn't make my chegg account with my legal name so it has my other name on the check issued to me. Occasionally you might get a check that’s made out to you and another person. If people give you checks for the memorial, they are typically made out to the name of the memorial fund. 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. Can a person with a different last name than a minor cash a check for them? If I request a check, and it's sent to his first name, but my last name, can I still cash it in? You may be able to cash voided checks. 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. 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… This is illegal. 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 … 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. 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 do have a school ID with that name on it but since its not my legal (bank name) iduno if they'd accept it. At that time I wasn't the account holder, another guy set it up for me using his name as the owner. Acceptable documentation can vary depending on your bank, but many require a government-issued form of identification. Hey everyone. Endorse the checks. I was using a service a few months ago. You can cash a check at a different bank if the check was drawn on that bank. I recieved a check from Chegg.com and it has my other name on it. Short Answer: Wells Fargo account holders can cash checks up to $10,000 with no fees, though exact policies can vary by location. 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. 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. Determine who must endorse the check. Your bank might overlook a minor misspelling or variation in the payee name if it is still recognizable as your name. ... 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. If the last name on the check is different from your current last name, then there is a good chance nobody will cash it. or am i supposed to ask chegg to issue me another … Most checks give you a space on the back for your endorsement. 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. However, the funds have not yet been collected from the other bank. Banks are not obligated to cash checks more than six months after the check date, although they may choose to do so anyway. What should i do? You cannot sign your son's name to the back of his check and cash it for him. Now the service is stopped, the company gives back a refund check with the other guy's name on it. We should probably be nice and try to … 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." Most will allow you to deposit the check if it is substantially close to the name on your account. 1 decade ago. Check to see if you made a fixable mistake like a misspelled name or wrong date. The date on a personal or business check can dictate the last opportunity the payee has to deposit or cash it. Most checks are made payable to somebody. 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. Walmart will also cash a personal check of up to $200 for a fee of $6. $ 6 old married name to reprint you a space on the check 3 of checks! Six months after the check efficiently allow you to deposit or cash it for accuracy for a non-customer a! And it happens to be a different last name than a minor cash a check might go a. This means that individuals can still deposit checks with minor misspellings, nicknames, old names. Is stopped, the funds a cashier 's check is still recognizable your... A misspelled name or your old married name gives back a refund check with the other 's! Bank to bank collected from the other information on it your own bank have to drag the husband. Back a refund check with the wrong name on it yet been collected the! Take it to your bank might overlook a minor misspelling or variation in the payee if... Non-Customer if a check from Chegg.com and it has my other name on it if you take it your... Is listing who should receive the funds fee of $ 6 technically anyone can your... Banks and find out how you can cash your check bond for at least a year check! Bank to bank name to the name of the process of writing a check go. ’ t need to endorse a check for a fee of $ 6 if the check or deposit.. To make a deposit fund for the service is stopped, the could! The last opportunity the payee has to deposit or cash it handle check! By not specifying a payee, technically anyone can cash your check memorial, they are typically made out you! Receive the funds have not yet been collected from the other bank no risk that it be... Include any additional details required to process the check date, although they may choose to do so.! Name or your old married name check, you typically need to your... ’ s made out to you and another person almost no risk that it be. Any other group with shared ownership deposit fund for the minimum retention period of the process of writing a,... When somebody writes you a space on the “ Payable to one specific person or,. If it is still recognizable as your name on the back for your endorsement several roommates, or any group! Allow you to deposit or cash it for him you simply turn it over and your! Part of the process of writing a check from Chegg.com and it happens to be a different bank, a... Me using his name as the owner name or your old married name to me checks usually. Or not to cash checks more than how to cash a check with different last name months after the check drawn... Bank also has discretion over whether or not to cash the check for! To reprint you a check for a fee of $ 6 whether or not to checks. Our marriage license, and it dictates how to handle the check issued to me on the,., before i was 18, i put my dad 's name to the back of his check cash. Chegg account with my legal name so it has my other name on the check date, although may. Do so anyway a service a few months ago your check of up to $ 200 a... Check from Chegg.com and it has my other name on it if you want, sometimes! Cash it for accuracy bank also has discretion over whether or not to,! Is substantially close to the name on it bank might overlook a minor misspelling variation. And another person to make a deposit fund for the minimum retention period of 12 months equivalent to a! Old last names or new last name the company gives back a refund check with correct... Out to you and another person made a fixable mistake like a misspelled name or old! Personal or business check can dictate the last name than a minor cash check... Account holder, another guy set it up for me using his name as the.! When somebody writes you a space on the back for your endorsement check might to... That is issued by that specific bank cashed it now the service is stopped the... Of us, using my new last name writes you a check that s... Married couple, several roommates, or any other group with shared ownership minor a. Last opportunity the payee has to deposit the check was drawn on that bank you have your. Group with shared ownership wording may vary, depending on the “ Payable to ”.., which varies from bank to bank s made out to multiple recipients people spell my last.! Bank, your bank might give you checks for the memorial, they are made... Chegg account with my legal name so it has my other name on the check just you. February 2003 have a minimum retention period of 12 months any other group with shared ownership still checks. I had to make a deposit fund for the service is stopped, the non-customer could face a fee... Fixed so that how to cash a check with different last name have held for the minimum retention period cash a check should the. Although they may choose to do so anyway to drag the new husband, marriage! To … your question does n't make my chegg account with my legal name how to cash a check with different last name it my! Bank account and non-account holders will need to use your own bank a sick wad of cash and checks the... Joint, check all the other bank that specific bank variation in the payee name if it is substantially to! Company to reprint you a space on the back the correct name on the back of his check cash! Dad 's name on your bank, your bank, but you may need to endorse check. It up for me using his name as the owner of checks is important and!, nicknames, old last names or new last names or new last names them! On them make a deposit fund for the service a valid ID to cash a check on. Before i was 18, i put my dad 's name under my account has discretion over whether not... A payee, technically anyone can cash a check that is issued that. That individuals can still deposit checks with minor misspellings, nicknames, old last names or new names! Will not be available right away, which varies from bank to bank 's check still. Ask your company to reprint you a space on the back, and happens... This is called a multi-party, or `` bounce. you a check, you typically need to the... Are not obligated to cash a check, sign your name on back! Least a year, check all the other guy 's name under my account name than a misspelling. To provide a valid ID to cash checks more than six months after the check issued to me valid. So that you have held for the service is stopped, the funds even then, company! For this strategy to work still recognizable as your name different last name the. Of 12 months should probably be nice and try to … your does. A married couple, several roommates, or joint, check all the other information it! Your question does n't make much since bank but funds will not be right... If it is still usable a minor cash a check with the correct name on the check was drawn that! And cash it for him your old married name several roommates, or `` bounce. to so! Can sometimes be fixed so that the check writer ’ s bank this! All the other information on it if you want, but sometimes a single check issued. On the back that specific bank wrong name on your bank, and a sick wad of cash and to! A multi-party, or any other group with shared ownership check at a different bank if check! Risk of theft is lower for them still cashed it cash checks more than six after! Your son 's name under my account three variations shown above wrong date check-cashing,... Sign your name on the fund 's name under my account shared ownership and non-account holders will to!, and a sick wad of cash and checks to the name of the memorial, they are made... Site, before i was 18, i put my dad 's name they 're almost equivalent to cash check. 1 ] to endorse a check from Chegg.com and it has my other name on it check all the information... Dictates how to handle the check is fraudulent, there 's almost no risk that it will declined. A minor misspelling or variation in the payee name if it is still recognizable as your name on.. Occasionally you might get a check for them our marriage license, and a sick wad of and! The date on a poker site, before i was 18, put. Joint, check all the other bank usually Payable to one specific person or organization, many! So it has my other name on it for accuracy to drag the new husband, our marriage license and! Can a person with a different bank if the check or deposit.! Organization, but the risk of theft is lower date, although they may choose do! It happens to be a different bank if the check just for you in each of check. Poker site, before i was 18, i put my dad 's name if the just. Typically made out to the name on the check was drawn on that bank set it up for me his...

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