Acceptable documentation can vary depending on your bank, but many require a government-issued form of identification. I have union bank. Endorse the checks. 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. You must visit a branch of the check writer’s bank for this strategy to work. If you take it to your bank, and it happens to be a different bank, your bank might give you cash immediately. 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 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. 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). The safest way to make sure you get your money is to cash the check in person at the check writer’s bank. These types of mistakes can sometimes be fixed so that the check is still usable. I was using a service a few months ago. 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 people give you checks for the memorial, they are typically made out to the name of the memorial fund. 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." or am i supposed to ask chegg to issue me another … Can a person with a different last name than a minor cash a check for them? Most checks give you a space on the back for your endorsement. So basically on a poker site, before I was 18, I put my dad's name under my account. This is illegal. This is called a multi-party, or joint, check. Your question doesn't make much since.. Would they accept the check? Only cash bonds that you have held for the minimum retention period. 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. Both account holders and non-account holders will need to provide a valid ID to cash a check. If you have held your bond for at least a year, check all the other information on it for accuracy. We should probably be nice and try to … A bank will only cash a check for a non-customer if a check is issued by that specific bank. 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. They're almost equivalent to cash, but the risk of theft is lower. All but 3 of our checks were made out to both of us, using my new last name. Most will allow you to deposit the check if it is substantially close to the name on your account. You may be able to cash voided checks. I have had people spell my last name completely wrong and the bank still cashed it. If the names are separated by a comma, “or,” “and/or,” or nothing at all, you can endorse and cash the check yourself. To endorse a check, sign your name on the back, and include any additional details required to process the check efficiently. If I request a check, and it's sent to his first name, but my last name, can I still cash it in? Unless a cashier's check is fraudulent, there's almost no risk that it will be declined, or "bounce." 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. 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." 0 1. For example, a check might go to a married couple, several roommates, or any other group with shared ownership. To cash a check made out to 2 people, first look at the “Payable To” line to see how the check is written. Occasionally you might get a check that’s made out to you and another person. 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. 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. 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. I recieved a check from Chegg.com and it has my other name on it. 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. Short Answer: Wells Fargo account holders can cash checks up to $10,000 with no fees, though exact policies can vary by location. 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. Checks are usually payable to one specific person or organization, but sometimes a single check is made out to multiple recipients. Banks are not obligated to cash checks more than six months after the check date, although they may choose to do so anyway. 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. 1 decade ago. 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. Part of the process of writing a check is listing who should receive the funds. 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… 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. 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. Ask your company to reprint you a check with the correct name on it. The date on a personal or business check can dictate the last opportunity the payee has to deposit or cash it. Hey everyone. HoruheMoraresu. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. Unfortunately I cannot change the contact information. Determine who must endorse the check. Some banks will cash a check drawn on a different bank but funds will not be available right away. Your bank might overlook a minor misspelling or variation in the payee name if it is still recognizable as your name. This means that individuals can still deposit checks with minor misspellings, nicknames, old last names or new last names on them. By not specifying a payee, technically anyone can cash your check. 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. Your bank also has discretion over whether or not to cash the check just for you in each of the three variations shown above. When somebody writes you a check, you typically need to endorse it so that you can cash the check or deposit it. You can always cash a check that is issued in your maiden name or your old married name. At that time I wasn't the account holder, another guy set it up for me using his name as the owner. So I have to drag the new husband, our marriage license, and a sick wad of cash and checks to the bank. You can cash a check at a different bank if the check was drawn on that bank. Literally 'cashing' a cheque (as in, walking into a bank with a cheque made out to 'Cash') should be fine, that's the point. 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 … They're guaranteed. 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. Now the service is stopped, the company gives back a refund check with the other guy's name on it. [1] I didn't make my chegg account with my legal name so it has my other name on the check issued to me. Most checks are made payable to somebody. The wording on these types of checks is important, and it dictates how to handle 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. Walmart will also cash a personal check of up to $200 for a fee of $6. ... 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. Check to see if you made a fixable mistake like a misspelled name or wrong date. 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. Bonds issued after February 2003 have a minimum retention period of 12 months. You can cash a check with the wrong name on it if you want, but you may need to use your own bank. 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. 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. To endorse a check, you simply turn it over and sign your name on the back. You cannot sign your son's name to the back of his check and cash it for him. The wording may vary, depending on the fund's name. However, the funds have not yet been collected from the other bank. While most financial institutions will accept and cash checks if a payee’s name is misspelled, you shouldn’t bank on this likelihood. Even then, the non-customer could face a check-cashing fee, which varies from bank to bank. 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. 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