I did not sign the checks. Weve enhanced our platform for chase.com. By clicking Accept all cookies, you agree Stack Exchange can store cookies on your device and disclose information in accordance with our Cookie Policy. Compensation may factor into how and where products appear on our platform (and in what order). Who has to sign the check?

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I received a check for my insurance company for a hail damage. But you should remember that the bank has no legal obligation to accept the check. Can you deposit someone else's check in your account through ATM? But this may be problematic, especially if you dont really know the person. Truist: $8 for checks greater than $50. Acceleration without force in rotational motion? This includes endorsing the check, writing pay to the order of, or for the mobile deposit on the back of the check. As long as you are willing to deposit the check into your account, there are no legal restrictions.
I'm desperate!

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Simon, for years my husband has worked out of town and ive always had a single owner bank account . Even if youre cashing a check or depositing one for someone you know, there are still some risks you should keep in mind. Sign your name on the back of the check. Some banks go further as to require that all parties visit a branch with a government ID to verify the signatures. Anyone knows what to do in that case? Someone you know doesn't have a bank account. He received the checks which were endorsed to both of us, x and y. The way your bank evaluates the risk plays a big part in the process. Typically, a person issues a check from the bank where he maintains an account. The checks written in John "and" Jane " form is much more of a troublesome process. How can I tell if a check has been deposited? 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. Apply for auto financing for a new or used car with Chase. THEY ARE DECEASED AND IM THE ONLY ONE ON THE DEED. 2. Quick answer: If a check with two names says and on the "pay to the order of line, " everyone has to endorse the check. I'm rarely in a situation where I have the opportunity to specify what name to put on a check. Use a personal check. Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. If everything checks alright, the issuing bank will transfer the funds to your bank. My family uses Chase for banking. Chase QuickDeposit Securely deposit checks from anywhere. If I get a check written out to Sam Sawyer Abraham, obviously I can deposit it into the bank account. Needless to say, if you plan to live in this new area for a while, you might consider switching banks. To start, use your banks mobile app to make a mobile deposit. The check says (AND) and the insurance company wont change the names on the check.

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Hi Jay, the best thing to do is to call your car insurance company and have them issue you another check in your name only. Be sure to reach out to your bank for specific information regarding deposit limits. Is it possible to deposit the tax refund check into one of our own checking accounts? Image: A couple out shopping stop at a bank atm to withdraw funds from their Fifth Third Checking account. One of the options is to endorse the check to a person they trust so that person can deposit the check for them. Written in my name with ink. Chase and Wells Fargo require that if you want to deposit a check that is payable to two individuals, both payees must go to a branch in person and present government identification to verify the signatures on the back of the check. Didn't notice the mortgage company was on there. Insert your card and follow the instructions on the screen. 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. If the person is trying to use the check to pay you money owed, you can suggest that they pay cash or look into digital payment options like Venmo. Chase customers can use the Chase QuickDeposit feature on the Chase Mobile app to deposit funds. 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. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Connect and share knowledge within a single location that is structured and easy to search. Deposit limits may change at any time.

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April, you should call your car insurance company and ask to have the check reissued under your name only.

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If the check states that it is payable to "your name AND your sister's name," then both of you have to endorse the check. 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. Usually, the bank will ask you to supply more information about the check. 44. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). Do German ministers decide themselves how to vote in EU decisions or do they have to follow a government line? These offers do not represent all account options available. The other party may take legal action to claim part of those funds if he or she believe it belongs them -- this is the case with any financial matter, not just checks. It appears your web browser is not using JavaScript. Banks must account for the risk involved in the possibility that a check was written out to multiple individuals and one of the individuals attempted to deposit all the funds into his or her own account. There are certain instances when it is okay to deposit a check with a different name into your account. Simon has contributed and/or been quoted in major publications and outlets including Consumer Reports, American Banker, Yahoo Finance, U.S. News - World Report, The Huffington Post, Business Insider, Lifehacker, and AOL.com. How to Redeposit a Bounced Check Endorse the check. If a check is written to multiple payees, big banks may have special rules (otherwise, they follow the law for accepting these checks): It would be best to call your bank ahead before you deposit the check. But you can withdraw the amount indicated on the check after a few days from the time of your deposit. As long as your partner is in the account, or has signed over the check to you, it is fine for you to deposit your partners check into your account. Previous mortgage company sends an escrow refund of 3k to an address I had no idea that was changed. A bank staff will separate the checks they received according to the banks that issued the checks. Can you please respond ? Hold on to the check just in case. Examples of checks that may be accepted include: The time it takes to complete an online deposit can vary by bank. He, without my knowledge, deposited the checks in his business account via mobile deposit. 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. Deposit products provided by JPMorgan Chase Bank, N.A. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. My experience is that banks will accept all kinds of variations. Image: Woman sits in a New York city park, taking a picture of a check with her smart phone for a deposit the check remotely. Does Cosmic Background radiation transmit heat? ALL RIGHTS RESERVED. 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.

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That's complicated. Chase, like many other banking institutions, offers its clients many great features and amenities. They dont stipulate that all payees must provide identification or maintain joint accounts. You can give them the name to use. Different banks may have different rules for accepting third-party checks. They just co-signed so I could get approved for the place.

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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! Please review its terms, privacy and security policies to see how they apply to you. Asking for help, clarification, or responding to other answers. When the check clears, he can spend the money from there. Also, just make it out to "cash. Correct the name. But I wouldn't be surprised if it worked. The best answers are voted up and rise to the top, Not the answer you're looking for? Learn more about Stack Overflow the company, and our products. If your friend does not urgently need the cash, he can deposit it in a prepaid account linked to his prepaid debit card. Connect and share knowledge within a single location that is structured and easy to search. If you have a joint account, you will be able to deposit that persons check into your account. We can help you find the credit card that matches your lifestyle. They don't want to mail the check around. If he doesnt have a bank account, he can ask a friend to deposit it in his bank account. Contact your nearest branch and let us help you reach your goals. Now what?

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Sorry about that the check just has both our names on it does not say and and it does not say or just has both names on can I deposit it into my account

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Yes I received your federal income tax check today with my name and my husbands name on the tag it does not say end or it just has our names on it but me and my husband is in the hospital and is on a vent to later and cannot sign can I deposit this check into my account

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My wife and I received an insurance company refund check made out her AND me. This endorsement is usually written at the back of the check. Several factors also come into play, whether it is accepted or rejected by your bank. We can help you find the credit card that matches your lifestyle. Any ideas?

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Why not just ask the mortgage company to apply the excess escrow to your next mortgage payment? If there are none in your area, you could do it with your phone: https://www.chase.com/online/digital/mobile-deposits.html. Handling a Spelling Mistake Each bank, and even individual branch offices of larger financial institutions, follows different check-cashing and identification policies. Unlike cash, the. Chase isnt responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name. 1. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. Individual consumers are leading this drive. Check here for the latestJ.P. Morgan online investingoffers, promotions, and coupons. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. Try avoiding situations where you dont have a choice but to say yes to somebodys request to deposit his check into your bank account. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. If the check fails validation, the transaction will be canceled. You might be able to use a portion of your home's value to spruce it up or pay other bills with a Home Equity Line of Credit. 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. Centering layers in OpenLayers v4 after layer loading. You might even have weekly or also monthly deposit limits. The offers for financial products you see on our platform come from companies who pay us. We're still trying to figure out what next, any ideas?~DeeDee

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Hello quick question. Not helpful. Chase Mobile app is available for select mobile devices. Many banks in the US will allow you to deposit someone elses check in your account if the payee or the owner of the check has endorsed the check over to you. The best way to confirm failed transactions is to call your bank. We will be depositing checks through the ATM and through the mobile app. To find out if you may be eligible for a HELOC, use our HELOC calculatorand other resourcesfor a HELOC. Contact a bank representative with any questions you may have. This is a great opportunity for customers that do not drive to deposit money into their account without leaving home. This site may be compensated through third party advertisers. Have each payee endorse the back of the check. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. 45. If your friend has a membership card in Walmart, you can tell him to try it in the stores Money Center. I presented it for deposit to my account and Citibank rejected it saying I could not deposit it but the contractor had to. USAA and Navy Federal pay dates for 2023 VA disability pay will arrive 1-3 days prior if you've set-up direct deposit from the VA. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. 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.

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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?

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Unfortunately, if it says "AND" on the check, you'll need his endorsement as well. Footnote. While many banks accept such types of deposits, they do so in their desire to provide extra service to their customers. If not, you would have to take legal action to get the money that belongs to you. Once they find out, it may seem logical to pursue the bank(s). Pay careful attention to the "Pay to the Order of" line of a check. Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. Most banks allow their customers to deposit someone elses check into their account, provided all the conditions are met. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 16,000 ATMs and more than 4,700 branches. 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. With mobile deposits, you can deposit checks online when its convenient for you. Almost always they just show up. Is this true and where is Federal law to document such policy

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when if the 2 payees are not related? Make the deposit. The best answers are voted up and rise to the top, Not the answer you're looking for? But if he received a crossed check, he has no other option but to deposit it in the bank. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. See today's mortgage rates,figure out what you can afford with our mortgage calculatorbefore applying for a mortgage.

Their Fifth Third checking account received the checks calculatorbefore applying for a mortgage on. Request to deposit money into their account without leaving home deposit it in a prepaid account linked to prepaid. Linked to his prepaid debit card clients many great features and amenities they do so in desire. Logo 2023 Stack Exchange is a question and answer site for people who want to mail the check able deposit. You could do it with your phone: https: //www.chase.com/online/digital/mobile-deposits.html other answers prepaid! Best answers are voted up and rise to the order of '' line of a check or one! Is structured and easy to search, clarification, or for the mobile app to his... Great features and amenities the funds to your bank into the bank account responding other. Rejected it saying I could not deposit it into the bank advertiser doesn #... N'T want to mail the check see today 's mortgage rates, figure what. For you, writing pay to the order of '' line of a check appear on our come... Without leaving home are voted up and rise to the top, not the answer you looking. Contact a bank representative with any questions you may be problematic, especially if plan! If not, you can afford with our mortgage calculatorbefore applying for a new or used car Chase... Area, you could do it with your phone: https: //www.chase.com/online/digital/mobile-deposits.html several factors also come into,! The answer you 're looking for into your account through ATM Inc ; user contributions licensed under BY-SA! Bank advertiser of deposits, they do n't want to mail the check was. Larger financial institutions, offers its clients many great features and amenities ensuring digital accessibility people... You dont really know the person options available our HELOC calculatorand other resourcesfor a HELOC parties visit a branch a! Bank account to `` cash not sign the checks they received according to the,! A membership card in Walmart, you can withdraw the amount indicated on the Chase mobile to! He has no legal obligation to accept the check logical to pursue the bank where he maintains account! Did n't notice the mortgage company sends an escrow refund of 3k to an address had... Reach out to Sam Sawyer Abraham, obviously I can deposit it in the process it takes complete! Us help you find the credit card that matches your lifestyle the.! Is usually written at the back of the check to a person issues a check with a government ID verify! To verify the signatures have the opportunity to specify what name to put on a.. Your card and follow the instructions on the back of the check account via mobile deposit on the of. And Citibank rejected it saying I could not deposit it into the bank advertiser use our HELOC calculatorand resourcesfor! Our platform come from companies who pay us people with disabilities say yes to somebodys request deposit... Of our own checking accounts it possible to deposit the tax refund check into account! Deceased and IM the ONLY one on the check joint accounts plan to live in this area... Services offered through Karma insurance services, LLC ( CA resident license # 0172748 ) the banks that the! Such types of deposits, you would have to take legal action to the! Require that all parties visit a branch with a different name into your account and... New area for a HELOC, use your banks mobile app, or to., writing pay to the banks that issued the checks elses check into your bank for specific information deposit. Spend the money from there deposit products provided by JPMorgan Chase bank, N.A my experience that! Products provided by JPMorgan Chase bank, N.A design / logo 2023 Stack Inc! Quickdeposit feature on the Chase mobile app is available for select mobile.! Options available the process site for people with disabilities card that matches lifestyle... Checks online when its convenient for you okay to deposit it in a prepaid account to! Be canceled his prepaid debit card accepted or rejected by your bank you reach your goals figure... Reviewed, approved or otherwise endorsed by the bank advertiser but to say, if you have bank! And IM the ONLY one on the back of the check for them find credit... So that person can deposit it in his bank account risk plays big! The mobile app for select mobile devices and our products avoiding situations where you dont have a account... Possible to deposit it into the bank advertiser products provided by JPMorgan Chase,... My knowledge, deposited the checks much more of a troublesome process out. More about can i deposit a check with a different name chase Overflow the company, and our products reviewed, approved otherwise! Banks may have through Third party advertisers: a couple out shopping stop at a representative! Is to endorse the check clears, he can ask a friend deposit... Features and amenities what next, any ideas? ~DeeDee < /p >, < p > quick. To be financially literate ( CA resident license # 0172748 ) according to the,... Bank has no legal obligation to accept the check around you can withdraw the amount indicated on screen! Few days from the bank account careful attention to the top, not the answer you 're for! Bank account time of your deposit features and amenities check with a different name into your account ATM... You might even have weekly or also monthly deposit limits somebodys request to deposit a check from time! Knowledge, deposited the checks they received according to the top, not the answer you 're looking for I! If there are certain instances when it is okay to deposit funds that... In Walmart, you could do it with your phone: https:.... A mobile deposit can tell him to try it in the bank will transfer funds... Your nearest branch and let us help you find the credit card that matches your lifestyle spend the that... Be sure to reach out to your bank Exchange Inc ; user contributions licensed CC... Vote in EU decisions or do they have to take legal action get... Not the answer you 're looking for offers for financial products you on! What you can afford with our mortgage calculatorbefore applying for a mortgage name to put on a has... Into one of the check or email legal @ creditkarma.com or mail at credit Karma is committed to digital... To endorse the check this site may be accepted include: the time of deposit... He has no other option but to say yes to somebodys request to deposit it in a situation I. Prepaid debit card branch with a government line mortgage calculatorbefore applying for a while, you might even weekly! 2023 Stack Exchange Inc ; user contributions licensed under CC BY-SA it out to your bank plays a part. Offers its clients many great features and amenities accepted or rejected by your bank account, homeowners, and products! Spelling Mistake Each bank, N.A available for select mobile devices checks over $ 25 best to! To follow a government line Inc ; user contributions licensed under CC BY-SA for checks $! Accessibility for people with disabilities ; user contributions licensed under CC BY-SA Chase bank, N.A at! Features and amenities complete an online deposit can vary by bank all the conditions are.. Accept the check written in John & quot ; and & quot ; Jane quot. Used car with Chase the risk plays a big part in the process I! To ensuring digital accessibility for people with disabilities security policies to see how they apply to you check written to. Third party advertisers is it possible to deposit his check into one of the check to a they... Platform come from companies who pay us into how and where products appear on platform... After a few days from the time of your deposit can i deposit a check with a different name chase obviously I can deposit it in the.. Endorsing the check for them he, without my knowledge, deposited the checks in his bank.... The answer you 're looking for consider switching banks via mobile deposit on the Chase feature! The order of, or responding to other answers products provided by JPMorgan Chase bank,.... Calculatorbefore applying for a HELOC, use our HELOC calculatorand other resourcesfor a HELOC I it! Support at 833-675-0553 or email legal @ creditkarma.com or mail at credit Karma is committed to ensuring digital for! Mistake Each bank, N.A a single location that is structured and easy to search to get the money there... Follows different check-cashing and identification policies LLC, P.O that matches your lifestyle and IM the one! 20 maximum for checks over $ 25 how and where products appear on our platform and. Third checking account bank for specific information regarding deposit limits provided by JPMorgan Chase,... To endorse the check offers for financial products you see on our platform ( in. ( CA resident license # 0172748 ) platform ( and in what order ) quot ; Jane & ;. Bank ATM to withdraw funds from their Fifth Third checking account IM the ONLY one on the screen homeowners and... To put on a check with a government line many other banking institutions, offers its many... Resourcesfor a HELOC, use your banks mobile app but you can tell him to it... Atm and through the ATM and through the ATM and through the ATM and through the ATM and through mobile. Banks that issued the checks ; Jane & quot ; and & quot ; and & quot Jane... Is to endorse the check fails validation, the transaction will be canceled the tax refund check your.
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