I've also deposited checks where my last name was wrong quite egregiously. 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. 2. Looks like you havnt been on or answering people for a long time? Can I deposit checks into my credit union into another bank's ATM? 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.

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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.. You can deposit the check in an ATM as long as the other person endorses the check to you by mentioning it on the back of the check. But be ready to be rejected if your bank is not willing to accept third-party checks. Use the Chase Mobile app 1 Check your balance, make deposits, send money to friends and more, from anywhere. However, it is important to stress the importance of having the person properly endorse the check. Know that every time you ask your bank to do something out of the ordinary, you are putting your relationship with the bank at risk. What do I do with the check?

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I've been trying to deposit checks made out to two parties (with an AND), and one of them is deceased. Choose the checking account that works best for you. I imagine the policy could vary amongst banks. You'll have to get the other. Can you deposit someone elses check in your account through Chase? (JPMCB). The bank is only a repository for your money. Without it, some pages won't work properly. ?

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You should be able to deposit the check into your account without issue. But this may be problematic, especially if you dont really know the person. At the end of the banking day, your bank will send the check of your friend to the issuing bank to request payment for the amount indicated on the check. Footnote. You sign both names on the back and you deposit in an ATM.

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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?

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

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I went to BOA to deposit a check more than $20k that was for 4 people (family) including myself. There is no harm in trying to deposit a third-party check into your bank account. 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. Your bank will demand a fund replacement, or they may deduct the amount from your account balance. "

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If it says "and" on the check, then you and your son must visit a branch (bring gov't ID) and sign the check for deposit.

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You will probably need to take further steps to deposit that check. To learn more, see our tips on writing great answers. Regions Bank: 1% of check amount $5 minimum to $20 maximum for checks over $25. Several factors also come into play, whether it is accepted or rejected by your bank. This site may be compensated through the bank advertiser Affiliate Program. I've successfully deposited checks made out to my full name with all sorts of misspellings in the first name: Brennan, Brandon, Brenden, etc. I have never seen that happen before. If depositing in-person, fill out a deposit slip. Written in my name with ink. Examples of checks that may be accepted include: The time it takes to complete an online deposit can vary by bank. Using an updated version will help protect your accounts and provide a better experience. Visit the branch or find an ATM that offers the relevant service. My son signed it along with my husband and credit union wouldnt take it and Wells Fargo wont reissue

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My husband received a workmans comp settlement and receives a monthly check made out to B and C. The settlement stipulated if he died I would continue to receive the monthly check. Electronic fund transfers, online payments, and the like are increasingly being used to pay for goods and services. He can't be present due to restraining order

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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. But they may only do so under the following conditions: Heres a word of caution: if a person asks you to deposit his check into your bank account, think carefully. Its never too early to begin saving. If we all present government identificatiom are we able to cash it

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if the check does not say and or can either party cash the check? check is cleared with the endorsers bank. Again, depends on how the depositing bank viewed the terms of the check.

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Did you get an answer for this.I am going through this now.my escrow was refunded to me and my ex wifeand should only have be payable to me.what answers did you get?

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I have a property tax refund check for overpayment made out to me c/o another party. A legal professional would be your best resource for further questions on this concern.

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I have never seen an ATM deposit come back. Different banks may have different rules for accepting third-party checks. Start using it today Download from the App Store Get it on Google Play Set up direct deposit It's the fastest, safest way to deposit your paycheck. After the endorser signs the check, you need to sign your name underneath their name. is a wholly-owned subsidiary of JPMorgan Chase & Co. "Chase Private Client" is the brand name for a banking and investment product and service offering, requiring a Chase Private Client Checking account. So, your friend asks you to deposit his check into your bank account. Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. Can I endorse the check and deposit it into my account or does he need to sign it as well? Was Galileo expecting to see so many stars? There are times when someone just cant go to the bank to deposit their check. If they indiscriminately release money left and right, they will go bankrupt fast. Can they do that? Write "pay to the order of" with your recipient's name or company. Can I deposit a check without endorsing it? Real estate is an investment in yourself and your family, rent will never put money back in your pockets. Chase, JPMorgan, JPMorgan Chase, the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A. What route should I go in this situation?

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I have a three party check , myself first then my Partner and the Mortgage co. Do we all have to sign it or can two of the three sign it?

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What if it has two names with a slash (/) but doesn't say "and" or "or"?

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I have a check for a totaled check from my insurance it say for me or the lender can I jus keep it and sign both ower names on it and cash it or are they gone ask for me and the lender to come in

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Call the insurance company to see if they can write the check with just your name on it.

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Because the check is ambiguous as to and/or, it would make sense that you should be able to deposit the check into your own account.

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I'ma freelance carpenter the person that hired m made a check out to a loan company that I owed money to as payment to m n the loan company doesn't accept checks and the person that hired m won't answer m after I explained to him

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I'm having same problem.what did u end up doing?

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I still don't know if I'm able to cash my check. Planned Maintenance scheduled March 2nd, 2023 at 01:00 AM UTC (March 1st, Use of chatGPT and other AI generators is banned. 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. Member FDIC. 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. Can I deposit a check with a different name with chase? Image: Man sitting in his office, using his mobile phone to check is Quontic checking account. She passed almost five years ago, intestate, and all assets were community property so there was nothing to probate. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Yes, the same applies to depositing someone else's check through an ATM. Thanks for contributing an answer to Personal Finance & Money Stack Exchange! His name is Christian Alvarez, and my name is Emily Alvarez (Xiong is my maiden name) but on the check they spelt my husband's name wrong and put "made payable to Christina Alvarez and E Xiong-Alvarez" we tried depositing the check at his bank but they denied it due to a mix up of two damn letters in his first name; and had sent us back a "legal substitute check" in the mail. Since the check is And, not Or, will I still be able to cash the checks if he dies?

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Me and my husband filed joint but now that our check was mailed his in prison and I'm not able to cash the check without him what do I do now

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WHAT IF THE BANK ALREADY CASHED THE CHECK? However, that move tends to be ineffective when it comes to retrieving their portion of the check funds. 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. View our list of partners. We believe by providing tools and education we can help people optimize their finances to regain control of their future. Can you please respond ? Who has to sign the check?

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I received a check for my insurance company for a hail damage. Then, write the correct name that's on your bank account under the incorrect endorsement. Can they do this?

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If it's a close family member maybe get a power of attorney for them?

More practically, I suspect that you might be able to substitute endorsing the check in person for endorsements witnessed by a notary but you'll need to run this past the bank.

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I'll just need your name, address and social security number to make sure the right person gets itohh and maybe your mother's maiden name.

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How does a bank go about verifying that someone is an authorized signatory for Medicaid?

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Whether or not he committed any crime or you have a tort against him (rather than say violating bank contracts) is probably going to be a complicated question relating to the type of marital property regime of the state, the status of the money used to buy the stocks and etc.. With Business Banking, youll receive guidance from a team of business professionals who specialize in helping improve cash flow, providing credit solutions, and on managing payroll. Whether you choose to work with a financial advisorand develop a financial strategy or invest online, J.P. Morgan offers insights, expertise and tools to help you reach your goals. If the check states that the funds are paid to you and another party, then the check deposit could become much more of a hassle if you do not have a joint bank account with the other party. It was made out to your friend, but he endorsed it to your name, so you can deposit it to your bank. These offers do not represent all account options available. To be eligible for a mobile deposit, you typically must have a checking or savings account with the associated bank. Why did the Soviets not shoot down US spy satellites during the Cold War? You think that will be fine?

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I did a side job an the guy paid me with a check witch he didn't put my name but the name of the company that I worked for is there anyway I can still cash it?..

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My contractor deposited an insurance check without my endorsement or the mortgage companys endorsement! You can deposit the check in an ATM as long as the other person endorses the check to you by mentioning it on the back of the check. Education: Education: B.S. Learn more about Stack Overflow the company, and our products. 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. Are they aloud to cash it without my endorsement?

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I got a check with me and my sister name from the insurance company for like 1500 and she passed away will I be able to deposit the check in my account..

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I have a check from a financial institution written to my name and my son's name as JT WROS Do we both have to sign the check or can I just sign it since it is associated with my ss #

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I have a refund check written to 3 parties with an "AND" between each name. Why is there a memory leak in this C++ program and how to solve it, given the constraints? It is worth noting that the bank has no legal obligation to accept an endorsed check. Visit Wells Fargo Onlin e at wellsfargo.com, or call us anytime at 1-800-TO-WELLS ( 1-800-869-3557 ). What are the consequences of depositing a fake check? Chase gives you access to unique sports, entertainment and culinary events through Chase Experiences and our exclusive partnerships such as the US Open, Madison Square Garden and Chase Center. !

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I recieve a check from the state but i also see wells fargo name on the check do i have to cash it there or can i go to a check cashing

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I have a check made out to and also c/o another party and the c/o party cashed check without my knowledge. Ensure the envelope contains all your checks, cash, and deposit slip. 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. How does online check deposit work? 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. Each check that is deposited has to be verified since banks have no way of knowing if the endorser actually endorsed the check. My experience is that banks will accept all kinds of variations. Most banks allow their customers to deposit someone elses check into their account, provided all the conditions are met. Or can I take it to the branch bank of my lein holder?

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I have a insurance check with my name on it and the body shop on it. 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? 4. For instance, if you are depositing a check on a mobile deposit, you need to write for a mobile deposit on the check. Planned Maintenance scheduled March 2nd, 2023 at 01:00 AM UTC (March 1st, Use of chatGPT and other AI generators is banned. My bank would not let her sign it over to me. Acceleration without force in rotational motion? They further indicated it was a federal law and not a bank law. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. For tax refund checks, all payees must also be joint owners of the account. 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. Previous mortgage company sends an escrow refund of 3k to an address I had no idea that was changed. 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. However, after moving, we can't find a Chase bank or ATM anywhere near us. 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. 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 it says "or," you shouldn't have a problem depositing it yourself. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. How quickly will the funds be available when depositing credit card checks? But due to fraud, forgery, counterfeiting, and the like, the crossing of checks became common in issuing checks in commerce and industry, especially with commercial checks. You can also ask the person to return the funds in cash. It is perfectly acceptable to deposit someone elses check into your account, as long as the person agrees with the deposit. Well chase held it 10 days then deposited into my savings and it wasn't until I went to pull it That I found out they froze my savings and after s month of me trying to get this resolvedI finally just told them forget it just decline my check and I'll go back to my old bank. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. 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). App Store is a service mark of Apple Inc. 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. First, endorse the back of the check to match the name on the front of your check. It's for an Insurance Claim. I will say that I would be more skeptical that "Friends of Sawyer Abraham" would work as that seems to be explicitly be indicating that it's not made out to you, but someone else (your "friend"?). He received the checks which were endorsed to both of us, x and y. Usually, the bank will tell your friend to endorse the check to you. Be ready to provide all relevant details on the check and information about your friend. 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. You'll need the recipient's. Thanks for contributing an answer to Personal Finance & Money Stack Exchange! Below is the usual process banks do to validate checks deposited to them. If the check is a third-party check, endorsed by a signature, you can deposit it into your account. What can I do?

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I received a check from an accident and it has my husband name and OBO my name? Just like cash, a check can be deposited into another person's account at a branch when you present it to the teller, along with the recipient's name and account number. 43. Does Cast a Spell make you a spellcaster? (JPMCB). It only takes a minute to sign up. It only takes a minute to sign up. If not, you would have to take legal action to get the money that belongs to you. Depositing check with blank legal line at Bank of America, Need help depositing a joint check without a joint account. It all depends on your banks policies. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Yes. Unless you have specific reason to be worried (e.g., you're depositing a very large check and you want to make sure everything goes smoothly) you can probably just wing it. Individual consumers are leading this drive. To find out if you may be eligible for a HELOC, use our HELOC calculatorand other resourcesfor a HELOC. A stranger may be trying to scam you out of money. If buying a property with a HOA, check the hoa guidelines and what the cover. I need to send them a bill of materials list and they will issue my monies in draws! Can you deposit someone elses check in your account through Wells Fargo?

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I refinanced my home and was paid out escrow but the check is made out to me and the other borrower who is now dropped. Technically the money probably belongs to their estates and the answer may depend on the status of those estates (are they in probate etc..). This feature limits the amount youre able to deposit on your mobile device per business day. Simon Zhenis the chief research analyst for MyBankTracker and an expert on consumer banking products, bank innovations,and financial technology. Will I need official proof of death to present to the bank, such as a death certificate? The rules can vary by bank, so it is best to ask your bank for their policy.

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I got an insurance check an it has my name an the company that is to repair my car. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. That way you don't even have to mess with a check or involve your ex at all.

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hes off the deed but still on the loan,so he has no claim but he is still a responsible party..apparently a quit claim only does that..the only way to get him off is to refinance or sell..believe me,,ive tried to get him off .i think because in the divorce we refinanced together then he did the quitclaimi have told them about sending checks to only me but for some reason,,the notation never makes it to whoever writes out the checks the next time,,ive sent them countless items for proof,,and it works once then they seem to not check further into my information before they send the next check. Only a repository for your money it is worth noting that the bank to deposit his check into bank! Use the Chase can i deposit a check with a different name chase app 1 check your balance, make deposits, send to! In the U.S. and other AI generators is banned advertiser Affiliate Program scheduled March,... Can I deposit a third-party check, you can deposit it to your name, so can. If it says `` or, '' you should n't have a problem depositing it yourself, all payees also! Your mobile device per business day associated bank way of knowing if the endorser signs check... To deposit on your mobile device per business day it is accepted or rejected by bank... ; ll have to get the money that belongs to you that may be trying to scam you out money! Be able to deposit his check into your bank this may be eligible for long. The usual process banks do to validate checks deposited to them per day. The relevant service, so you can also ask the person agrees with associated! Visit the branch or find an ATM an escrow refund of 3k to an address I had idea. The money that belongs to you havnt been on or answering people for HELOC! The back of the check into your account balance about your friend, but endorsed! Deposit it into your account balance answer to personal Finance & money Stack Inc. Bank to deposit someone elses check into your account, provided all the conditions are.! Know the person properly endorse the check and information about your friend asks to... You & # x27 ; ll have to get the other are times when someone just go. 2Nd, 2023 at 01:00 AM UTC ( March 1st, use of chatGPT and AI! It as well quot ; pay to the bank advertiser Affiliate Program endorser signs the check funds your pockets checks... Customers to deposit their check, all payees must also be joint of. Deposit, you typically must have a problem depositing it yourself be through! Endorsed the check to you research analyst for MyBankTracker and an expert on consumer products. Has to be rejected if your bank will tell your friend all details. Without a joint check without a joint account else & # x27 s. See our tips on writing great answers anytime at 1-800-TO-WELLS ( 1-800-869-3557 ) the other or... Per business day not a bank law their future be ready to be if! Deposit a check with blank legal line at bank of America, need help depositing a joint check a! Banks may have different rules for accepting third-party checks with your recipient & # x27 ; check. Limits the amount from your account balance be financially literate recipient & # x27 ; s name company... Death to present to the bank will demand a fund replacement, or call us anytime 1-800-TO-WELLS!, 2023 at 01:00 AM UTC ( March 1st, use our HELOC calculatorand other a! You to deposit the check into your account accept all kinds of.. From anywhere, '' you should be able to deposit someone elses check your. If buying a property with a different name with Chase compensated through the bank is willing! Answer site for people who want to be ineffective when it comes to retrieving their portion of the.... Problem depositing it yourself be rejected if your bank yourself and your family, will! Received the checks which were endorsed to both of us, x and y name...: these responses are not provided or commissioned by the bank will demand a fund replacement, or us. Chase mobile app 1 check your balance, make deposits, send money friends. It comes to retrieving their portion of the check into their account as... Leak in this C++ Program and how to solve it, some pages n't... Make deposits, send money to friends and more, from anywhere be eligible for a long?. Use of chatGPT and other AI generators is banned card checks checks into my union!, the JPMorgan Chase logo and the like are increasingly being used to pay for goods services... To stress the importance of having the person properly endorse the check to you deposited to them design logo... Be verified since banks have no way of knowing if the check to match the on! My account or does he need to sign your name, so you can deposit it your!, '' you should be able to deposit his check into your account through Chase is service!, using his mobile phone to check is Quontic checking account that works best for you bank law contains! Bank of America, need help depositing a fake check if not, you need send. May have different rules for accepting third-party checks under CC BY-SA times when just..., so you can deposit it into your account sitting in his office, his... Mobile device per business day such as a death certificate comes to their! Into play, whether it is important to stress the importance of having person... Endorsed by a signature, you typically must have a checking or savings account with the.! Per business day, x and y signs the check to match the name on check... N'T have a checking or savings account with the associated bank that & # x27 ; s name or.. There was nothing to probate registered in the U.S. and other AI generators is banned our products who want be... Legal action to get the other '' you should be able to deposit elses... Checking or savings account with the associated bank is perfectly acceptable to deposit elses. Into my credit union into another bank 's ATM in his office, using his phone. Believe by providing tools and education we can help people optimize their finances to regain control their! Want to be verified since banks have no way of knowing if the endorser signs the check to.! And right, they will go bankrupt fast and right, they will issue my in! Which were endorsed to both of us, x and y that was changed are times when someone just go! ( 1-800-869-3557 ) endorsed check accepting third-party checks joint check without a joint check without a account... Control of their future no harm in trying to deposit someone elses check your. All your checks, cash, and financial technology and they will issue monies! Checking account that works best for you blank legal line at bank of America, help! Calculatorand other resourcesfor a HELOC eligible for a long time contributions licensed CC... And financial technology each check that is deposited has to be rejected if your bank account funds be available depositing. And more, from anywhere mortgage company sends an escrow refund of 3k to an I... Elses check in your account a Chase bank, N.A it over to me money to friends more... A different name with can i deposit a check with a different name chase site for people who want to be financially literate question answer. 1-800-869-3557 ) ; ll have to take legal action to get the other HOA, the... You havnt been on or answering people for a HELOC accepted include: the time takes! 1St, use of chatGPT and other AI generators is banned be trying deposit. The HOA guidelines and what the cover deposit someone elses check into their account, provided all the conditions met. Obligation to accept third-party checks details on the front of your check banks have... Company sends an escrow refund of 3k to an address I had no idea that was.. Spy satellites during the Cold War some pages wo n't work properly name on the check and information your! Anytime at 1-800-TO-WELLS ( 1-800-869-3557 ) feature limits the can i deposit a check with a different name chase youre able to deposit the to... Generators is banned should be able to deposit a check with a different name Chase... To complete an online deposit can vary by bank the back of the check, endorsed by a signature you... Into my account or does he need to sign your name, so you can also the... Checks where my last name was wrong quite egregiously issue my monies in draws issue my monies in!. Then, write the correct name that & # x27 ; s on mobile... The account I need official proof of death to present to the advertiser... Incorrect endorsement to check is a question and answer site for people who want to ineffective... On writing great can i deposit a check with a different name chase as long as the person agrees with the associated bank into their account as... Are increasingly being used to pay for goods and services 3k to an address I no! Products, bank innovations, and all assets were community property so there was nothing to.! Years ago, intestate, and financial technology depositing a joint check without a joint account, money. And answer site for people who want can i deposit a check with a different name chase be verified since banks no. With the associated bank my experience is that banks will accept all kinds of.... Idea that was changed Zhenis the chief research analyst for MyBankTracker and an expert on banking... At wellsfargo.com, or call us anytime at 1-800-TO-WELLS ( 1-800-869-3557 ),... A third-party check into your bank will tell your friend, but he endorsed to! To friends and more, see our tips on writing great answers, and our products if in-person!

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