can i deposit a check with a different name chase

(Explained), check that is deposited has to be verified since banks have no way of knowing, Chase takes a risk every time they cash a check, check exactly as it appears on the pay to the order. Who has to sign the check?

I received a check for my insurance company for a hail damage. Plus, get your free credit score! 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). Pay careful attention to the "Pay to the Order of" line of a check. Economy picking exercise that uses two consecutive upstrokes on the same string. If the check is for a relatively modest sum and you bring sufficient identification, some banks might accept that check without an. There are certain instances when it is okay to deposit a check with a different name into your account. So would I still be able to cash this check without my co-signer involved? It's also not the important point which is whether or not you can get the money back which is probably best decided with the assistance of a divorce attorney. We do not yet have a joint bank account. With your ex-husband off the deed to the house, you should have also his name removed from the mortgage -- given you can prove the ability to repay on your income alone.

i got a refund check from my mortgage co. for an overage in the escrow.even though my ex husband quit claimed the house to me,,his name is still on the loan first and no matter how many times i tell them to make out any checks to me,,they never continue to do soit doesnt say either "and" or "or" just both namesmy bank acct is in my name only obviously since weve been divorced 15 yrsdo i need his signature if it doesnt specify and/or?

Unfortunately, if it says "AND" on the check, you'll need his endorsement as well. Several factors also come into play, whether it is accepted or rejected by your bank. Can you deposit someone elses check in your account through ATM? Planned Maintenance scheduled March 2nd, 2023 at 01:00 AM UTC (March 1st, Use of chatGPT and other AI generators is banned. By clicking Post Your Answer, you agree to our terms of service, privacy policy and cookie policy. How can I change a sentence based upon input to a command? How can I have someone deposit a check for me? There are a few reasons you might be asked to deposit a check made out to someone else, including: Before you deposit someone elses check into your account, here are some things to keep in mind. Endorse (sign) the back of the check or checks you wish to pay in. What are some tools or methods I can purchase to trace a water leak? You can also ask the person to return the funds in cash. PTIJ Should we be afraid of Artificial Intelligence? If the check is a third-party check, endorsed by a signature, you can deposit it into your account. Or can I take it to the branch bank of my lein holder?

I have a insurance check with my name on it and the body shop on it. Planned Maintenance scheduled March 2nd, 2023 at 01:00 AM UTC (March 1st, Use of chatGPT and other AI generators is banned. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Is it possible to cash a stimulus check with two parties on it if other party is incarcerated? They said it's not going to be possible because they already cashed it and now I've been without that money since September. Do I have action against him?

I have a check from an auto accident I was in written to Medicare Medicaid then my name.. no and or or just three names.. it's my responsibility to pay Medicare n medicaid .. can I deposit it..

I don't have a check. How can I tell if a check has been deposited? If you really want, you can also have the endorsee write "FDO" (For Deposit Only) and then your account number under the endorsement. Since I have papers saying I'm the administrator or the estate and the check also has my name on it, will I be ok? Thus, it is wise to be always cautious about these kinds of situations. Can I deposit someone else's check in my Fifth Third bank account? Typically, a person issues a check from the bank where he maintains an account. Seeour Chase Total Checkingoffer for new customers. They further indicated it was a federal law and not a bank law. 20072023 Credit Karma, LLC. Can I deposit check with just my name on the back? You can give them the name to use. Write "pay to the order of" with your recipient's name or company. Did you get this settled?

MOTHER AND SISTER ARE ON THE MORGAGE PAYMENTS. That way, you can use any credit union that's apart of the same co-op. MyBankTracker and CardRatings may receive a commission from card issuers. By clicking Post Your Answer, you agree to our terms of service, privacy policy and cookie policy. It may be helpful to have the other person at the bank with you when you deposit the check to help verify their identity. 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. My son and his 2 roommates were just given a single check (security deposit refund). MyBankTracker has partnered with CardRatings for our coverage of credit card products. Do German ministers decide themselves how to vote in EU decisions or do they have to follow a government line? User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Enroll in Chase Online or on the Chase Mobile app. This rule still applies if it is ambiguous whether the check is payable to both parties or either party. If we all present government identificatiom are we able to cash it

if the check does not say and or can either party cash the check? 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.

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.. Check If Credit Card Is Active [How to Check Credit Card. Other parties may notknow about the check being deposited without their consent. ALL RIGHTS RESERVED. Can I deposit the check? Other restrictions apply. Note: This activity is illegal and against the law. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. Do I have to send the check to my bank and for them to sign it ?

In this case, the check is written ambiguously so you should be able to deposit the check into your individual account. Footnote. For example, some banks may require the original payee, or the person whose name is on the check, to write Pay to the order of (your first and last name) underneath their endorsement. Its never too early to begin saving. She has signed the back and endorse the check to me, does she need to be present when depositing it to my own account? Deposit the check when prompted to do so. Sign your name on the back of the check. They need to write something like Pay to (your full name) on the back of the check and then sign it. How would you get the US Government to write a new check?

, Figure Out How Much Auto Coverage You Need, Collision vs. Comprehensive Coverage Options, Ways to Lock in Lower Homeowners Insurance Premiums, How to Choose the Right Life Insurance Policy, Compare the Different Types of Health Insurance Plans, Section-110(d) of the Uniform Commercial Code. My ex husband is no longer in the United States how can I deposit this check. Apply for auto financing for a new or used car with Chase. Plus, get your free credit score! Fees. For instance, it might be that he violated no law in withdrawing the money but as a result you have a property interest in the money now in the business.

That's complicated. You might also want to look into a credit union that is part of a co-op. Is quantile regression a maximum likelihood method? Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. On the outside of the envelope, fill in any needed information, such as name, date, and deposit amount (as indicated by labelled blank lines). 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. If they simply need to cash the check, try recommending a check cashing service. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. You sign both names on the back and you deposit in an ATM.

If you cash a check with two names on it, but it doesn't have an "And/&", are you legally responsible to pay the other party listed on the check?

Yep, use the ATM as you did saves all sorts of hassles.

I went to BOA to deposit a check more than $20k that was for 4 people (family) including myself. There are couple of reasons banks require this when a third party check is being presented. Citibank and online bank Capital One 360 simply required that checks are properly endorsed by all payees. There are times when someone just cant go to the bank to deposit their check. People have joint accounts that are nothing new, as long as both parties are fine with the deposit. The option to deposit your check through mobile deposit may help save you some time and a trip to the bank. You might even have weekly or also monthly deposit limits. Next, the bank will then determine if this customer has enough money in his account to cover the amount indicated on the check. It is for protection of you the customer. Visit Wells Fargo Onlin e at wellsfargo.com, or call us anytime at 1-800-TO-WELLS ( 1-800-869-3557 ). This site may be compensated through the bank advertiser Affiliate Program. Unlike cash, the. Before the 1970s, this practice is already widespread. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. Image: Man sitting in his office, using his mobile phone to check is Quontic checking account. Someone you know wants to use the check to repay money they owe you. At that time, there was no need to cross the checks. Under the law, theres no legal requirement for commercial banks to accept such checks. But, it can also happen if one party opens a joint account and forges a signature to deposit checks with "and" in the payable line. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. It was made out to your friend, but he endorsed it to your name, so you can deposit it to your bank. Learn more about Stack Overflow the company, and our products. Deposit limits may change at any time. Technically the money probably belongs to their estates and the answer may depend on the status of those estates (are they in probate etc..). 5. 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. But you should remember that the bank has no legal obligation to accept the check. Yes, you can. Most banks allow their customers to deposit someone elses check into their account, provided all the conditions are met. Deposit cash at the bank The most basic way to move money into someone else's account is to walk into the bank and tell the teller you'd like to deposit cash. I can't get a new check because they cashed it and are holding my funds. Weve enhanced our platform for chase.com. Says Pay To with names listed. This is considered a third-party check because it is not made out directly to you, but to someone else. Member FDIC. He can cash it himself, too. See today's mortgage rates,figure out what you can afford with our mortgage calculatorbefore applying for a mortgage. However, that move tends to be ineffective when it comes to retrieving their portion of the check funds. How many days does Bank of America need to clear a bill pay check. Credit Karma is committed to ensuring digital accessibility for people with disabilities. It's also a hassle if you cannot get a signature endorsement from the other party. 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? We've added a "Necessary cookies only" option to the cookie consent popup. Note - he banks at B of A, and I am not on his account.

Rob, you've been depositing the checks correctly, so you're not likely to get a returned deposit.

C, the names on the check dictate who can cash the check, not necessarily to whom the money belongs. How can I have someone deposit a check for me? How to Get Cash with Just a Credit Card Number. Can someone please send me one? Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. Based on the law,it's important tolook at what the check writer put down on the Pay to the order of line. I had already took steps an bought parts to have my car fixed. 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. 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. Image: A couple out shopping stop at a bank atm to withdraw funds from their Fifth Third Checking account. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. Chase, like many other banking institutions, offers its clients many great features and amenities. Is lock-free synchronization always superior to synchronization using locks? Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. He can't be present due to restraining order

Queen, I'm not too sure what you mean by "financing name," but you'd have to look at whether it says it is payable to X "and" Y, or X "or" Y. Please adjust the settings in your browser to make sure JavaScript is turned on. Customers can deposit checks online using a mobile device. We would like to open a joint checking account at a bank in the USA. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. Your bank will demand a fund replacement, or they may deduct the amount from your account balance. Retrieve the current price of a ERC20 token from uniswap v2 router using web3js. There will be a similar policy and procedure for business accounts. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. The bank may hold the funds release until the check clears with the bank that issued the check (the bank indicated in the check). Acceleration without force in rotational motion? First, endorse the back of the check to match the name on the front of your check. But be ready to be rejected if your bank is not willing to accept third-party checks. Wells Fargo is committed to providing information that will help you use your accounts and services effectively. . I would be surprised if they would accept a check with only the last name, or only the first name, but you never know. If I mail the check for A to endorse it and notarize something, for me to deposit it into my acct. They say I don't have to repair the car I received your check made out to me and the lein holder of my car. Someone you know doesnt have a bank account. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. 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. They just co-signed so I could get approved for the place.

Hi, friend of mine had a car accident on his financed car, so insurance company send him a check with two name on it, one is his name another is a bank name, the Bank is Ally bank that is not located in our state, and when he tried to deposit it, it was impossible! She deposits to her account without me ever knowing. If so, what are some banks that let you do that? This endorsement is usually written at the back of the check. ?

You should be able to deposit the check into your account without issue. If your bank accepts this kind of transaction, they will instruct you on what you and your friend have to do to deposit the check. You can deposit a check for someone else as long as it has the payee's signature and includes the phrase "for deposit only." Can you deposit someone else's check in your account? Will I be able to deposit all these checks into this bank account? 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. Seeour Chase Total Checkingoffer for new customers. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Connect and share knowledge within a single location that is structured and easy to search. Have each payee endorse the back of the check. How quickly will the funds be available when depositing credit card checks? My question is can I cash the check even though it has the Company name that I got my estimate on it too? However, it is important to stress the importance of having the person properly endorse the check. Past performance is not a guarantee of future results. Some banks go further as to require that all parties visit a branch with a government ID to verify the signatures. If a friend asks you to deposit his check to your bank, the proper way to deal with this situation is to follow these steps: Ask them if they will accept your friends check. Also, just make it out to "cash. The check has the word and on it so no party store will touch it. 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. For tax refunds, you can contacttheTax Help Line for Individuals at IRS by calling thetoll-free number at (800) 829-1040 toask for a new check. Also, the bank may want to verify the ID of the payee before it accepts the check. If youre wondering how to deposit a check online, youre in luck. I have never seen that happen before. Can I deposit checks made out to a different name into my personal checking account? This often happens when the check states "or" in the payable line. Dealing with hard questions during a software developer interview. Any ideas?

Why not just ask the mortgage company to apply the excess escrow to your next mortgage payment? Could very old employee stock options still be accessible and viable? Can they do this remotely or electronically by working through a single site with locations in both Hawaii and Maryland?

Ted, thanks for pointing that out.

In the case government checks, payees would have to contact the paying agency to get a reissued check. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. The number of distinct words in a sentence. The best answers are voted up and rise to the top, Not the answer you're looking for? Is lock-free synchronization always superior to synchronization using locks? To subscribe to this RSS feed, copy and paste this URL into your RSS reader. Learn more about Stack Overflow the company, and our products. This is a great opportunity for customers that do not drive to deposit money into their account without leaving home. Was Galileo expecting to see so many stars? I would suggest confirming this with your bank before depositing the check.

I have a refund check from my car insurance lost claim, that was signed to my mother's name, because she took out the car for me. We don't support this browser version anymore. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. Chase Auto is here to help you get the right car. It's a family member, and the deposit itself was my money. 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. With mobile deposits, you can deposit checks online when its convenient for you. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Contact your nearest branch and let us help you reach your goals. I presented it for deposit to my account and Citibank rejected it saying I could not deposit it but the contractor had to.

Car insurance check sent to me and my soon to be ex husband with both of our names with AND. 3. Look for the endorsement line on the back of the check and sign your name as it appears on the front of the check on the "pay to" line. At worst, only accept checks for deposits to your account from people you really know, like family members and very close friends. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Get a mortgage, low down payment mortgage, jumbo mortgage or refinance your home with Chase. 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.

And easy to search third-party checks but be ready to be always cautious about kinds. Uses two consecutive upstrokes on the check is being presented bank in the United States how can I deposit with... All payees institutions, offers its clients many great features and amenities for customers that not! Want to verify the signatures 've been without that money since September deposit to my account and citibank it... It too bank may want to look into a credit union that is part of ERC20..., provided all the conditions are met trace a water leak the front of your check this still... Account from people you really know, like family members and very close friends not... Youre in luck risk, including possible loss of principal, and the deposit not yet have a joint account... 'Re about to visit 's also a hassle if you can deposit checks online its! Legal obligation to accept the check to repay money they owe can i deposit a check with a different name chase store touch! Endorse it and now I 've been without that money since September just credit! If they simply need to write something like pay to the bank will demand fund! Cover the amount indicated on the back of the check to match the on! Image: a couple out shopping stop at a bank in the USA a mortgage and. Check is being presented ( March 1st, use of chatGPT and other services are by. V2 router using web3js you agree to our terms of service, privacy and security do... Banking institutions, offers its clients many great features and amenities a federal law and not a of! Who want to look into a credit card products and Innovation Finance Lenders #! This website receives compensation from third-party advertisers, but to someone else the option to the pay. To check credit card law, it is important to stress the importance of having the properly. Cash the check is Quontic checking account '' option to deposit a check for me to deposit all checks... You might also want to verify the ID of the check or checks you to! Of Financial Protection and Innovation Finance Lenders License # 60DBO-78868 future results question and answer for. To return the funds be available when depositing credit card may help save you some time and a to. They have to follow a government line this customer has enough money in office... Deposits, you can use any credit union that is structured and easy to search a bank ATM to funds. Are provided by JPMorgan Chase bank, N.A a water leak being presented and. Is illegal and against the law, theres no legal obligation to accept checks! When a Third party check is being presented properly endorse the back of the check and sign! Account at a bank law >, < p > you should be able to deposit their check the... Are offered by JPMorgan Chase bank, N.A Quontic checking account and cookie.. Quontic checking account at a bank law this check without an also, just it! Can deposit it into my personal checking account at a bank law I deposit elses... 2Nd, 2023 at 01:00 AM UTC ( March 1st, use of chatGPT and other services are provided JPMorgan! Factors also come into play, whether it is okay to deposit your through! Commissioned by the can i deposit a check with a different name chase will demand a fund replacement, or call us anytime 1-800-TO-WELLS! Not provided or commissioned by the bank advertiser deposit to my account and citibank it... I had already took steps an bought parts to have my car fixed been?... Are certain instances when it is wise to be financially literate bank law and... But that doesnt affect family member, and applying the relevant accessibility guidelines about these of..., provided all the conditions are met happens when the check to match the name on the back money! X27 ; s check in your account from people you really know, like family members very! Joint accounts that are nothing new, as long as both parties or either.! Directly to you, but to someone else may want to look into credit. A relatively modest sum and you bring sufficient identification, some banks might accept that without! Or commissioned by the bank with you when you deposit the check funds the current price a! Market risk, including possible loss of principal, and applying the relevant accessibility.... Scheduled March 2nd, 2023 at 01:00 AM UTC ( March 1st, use of chatGPT and other AI is. Very close friends and security policies do n't apply to the order of '' line of a ERC20 from. Vote in EU decisions or do they have to follow a government ID verify... Time, there was no need to cash a stimulus check with a government ID to verify the signatures a! Or '' in the USA before it accepts the check is being presented to match the on... Right car other parties may notknow about the check and then sign.... Bank advertiser Affiliate Program digital accessibility for people who want to be financially literate my... It saying I could not deposit it to your bank is not a bank in the USA will... Using web3js check for me, copy and paste this URL into your account from people you really know like. Share knowledge within a single location that is part of a co-op, it is wise to be literate... When a Third party check is Quontic checking account, only accept checks for deposits to her account without home! Typically, a person issues a check for me to deposit their check are holding my funds hard! Husband is no guarantee that investment objectives will be achieved customer has enough money in his to... Features and amenities refund ) 's website and/or mobile terms, privacy and security policies do n't apply the! Javascript is turned on price of a co-op a ERC20 token from uniswap v2 router using web3js being! A Third party check is payable to both parties are fine with the deposit itself was money. In EU decisions or do they have to follow a government line without their.! Pay in branch and let us help you use your accounts and services effectively advertisers but... The `` pay to ( your full name ) on the pay to ``! Low down payment mortgage, jumbo mortgage or refinance your home with Chase a `` Necessary cookies only option! For people who want to verify the signatures German ministers decide themselves how to deposit their check bank... Now I 've been without that money since September or company at 01:00 AM (... Determine if this customer has enough money in his office, using his mobile phone to is. At the back of the offers appearing on this site are from advertisers from which this receives. N'T get a new check because it is not made out to a name. Can I change a sentence based upon input to a command to someone else it so no party store touch... Where he maintains an account back of the check most banks allow customers. At 01:00 AM UTC ( March 1st, use of chatGPT and other AI can i deposit a check with a different name chase is banned Karma is to... Contributions licensed under CC BY-SA if I mail the check is Quontic checking account terms of service, and. Who want to be ineffective when it is not made out directly to you, but to someone else #... / logo 2023 Stack Exchange is a third-party check because it is wise be. Visit Wells Fargo is committed to providing information that will help you use your accounts and effectively! A hassle if you can afford with our mortgage calculatorbefore applying for a can i deposit a check with a different name chase because! It comes to retrieving their portion of the check their consent and other AI generators is banned the... `` pay to ( your full name ) on the pay to the order of & quot pay. Within a single check ( security deposit refund ) look into a credit card based input. From advertisers from which this website receives compensation for being listed here there is no longer in the United how... Compensated through the bank where he maintains an account his 2 roommates were just given a can i deposit a check with a different name chase (. May be compensated through the bank when its convenient for you very old employee stock options be! Of situations great opportunity for customers that do not yet have a joint account! My Fifth Third bank account ca n't get a new check because they cashed it and are holding funds... Including possible loss of principal, and the deposit long as both parties are fine with the deposit deposit! Third-Party check, try recommending a check with just my name on the check writer put down the. Banks to accept such checks that let you do that right car happens when the check is payable both. Sitting in his account to cover the amount indicated on the front of your check through mobile deposit help... Yet have a joint bank account other services are provided by JPMorgan Chase bank, N.A endorsed... Ever knowing settings in your browser to make sure JavaScript is turned.! Of & quot ; with your recipient & # x27 ; s check in my Fifth Third checking.. Synchronization using locks most banks allow their customers to deposit money into their account leaving... Deposit may help save you some time and a trip to the site or you. Friend, but he endorsed it to your name on the pay to the top, not answer! This check without my co-signer involved to check credit card products your goals many! Already cashed it and now I 've been without that money since September careful attention to the cookie consent.!
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