. We went to another branch, and they deposited it, but called us two hours later and said they couldn't accept the deposit and that I needed to come pick up the check. No one appears to take this seriously, oh BTW the check was nearly $9,000.00. Even with an endorsement of the "and" party, Wells
Fargo where I have been a customer for 25 years will not deposit unless we both go to the bank together, a two hour ordeal at best. They said that they cannot accept that check with mine and my husband's name even though we both did endorse it because my husband had to physically come into the branch and show his identification. Man these banks playing with peoples needed insurance funds
I have a scenario where me and my boyfriend rented an apartment together and we had to put a deposit on it. Now, when it comes to these checks, youre going to encounter the least amount of problems when theyre written in the John or Janeform. You do not have to endorse a check at the bank you have an account with. there was zero reason the office had to doublename the check, ESPECIALLY because i was the one who wrote the check in whole for the deposit - return check should have been in my name only, or roomy's name only.
i'm willing to fax or scan my ID to roomy's bank, but if the office isn't going to reissue i still have the checking receipt for that deposit to get it all in my name - but if they aren't willing to cooperate anybody know any good attorneys?
(this office has been shady af from the start, the apartment we got was trashed, carpet mouldering with animal piss, cupboards sticky with spraypaint over grease and dirt instead of cleaned, months to get carpet replaced / livable, cabinets never remedied, and now this)
,A check from a joint brokerage account was deposited via mobile app. 3. Checks are never handled by people except at the teller's desk. However, before our divorce (and settlement agreement was in place) he deposited/cashed a two party check (made out to he and myself) from an insurance company, which I was not present when he did this and he endorsed my name (forgery) in order to cash. Unless banks can impose policies with more restrictive requirements than what the UCC allows. There was no "and " and no "or " on the payee line. Can I deposit someone elses endorsed check into my bank account? If you dont have one, check with your financial institution to see if they allow you to do this. The reasoning behind endorsing a check is to restrict what other people can do with the check. I used money to pay bills, then I got a call from the body shop that said insurance sent me a 2 party check by accident, this wss the check I didn't notice it had another player and the bank let it go thru. Almost all checks are processed electronically nowadays. I went to BB&T after seeing this article. I spoke with branch bankers at all of the biggest banks and asked about their policies for depositing a check with multiple people on it. The thing is he is in jail and can't sign it. First, find the endorsement area on the back of the check. According to BB&T, the branch can make its own decision. In fact, Chain Khuli ki Main Khuli was a by, Though the word chak de connected with sports what its real meaning 12 Answers Anonymous 1 month ago Its, 6 Answers kris 2 decades ago 10 I believe Aston Villa, Charlton Athletic, Liverpool, Northampton Town, York City, Celtic, Dundee, I know what it means, but I was wondering is it just a Pittsburgh thing or a whole east coast, I bought myself a cruiser off amazon. The check endorsement on the back of the check must match the payee on the front of the check. "Pay to the Order of" and the third party's name below your signature. For that matter, no bank will accept that. Do I have a lawsuit against Chase Bank? While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. If the checks where presented with out me there and accepted my signature how could they prove it was my signature. No. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. We were told the check could get returned because we didn't have a joint account and our best bet was to have my wife deposit it in the atm. I haven't ruled out going after the bank since they are in violation of their own protocol. Will Chase allow the deposit with out me being present? The following banks require you and your payee(s) to present a government-issued ID when at the branch: Banks seem to be more stringent when youre depositing a tax refund check that's written to more than one payee -- Bank of America and TD Bank, for instance, will require that the payees of tax refund checks must also be joint account owners. His nose may be in the way!
,If the bank has both parties signature on file in separate accounts and the instrument is fully endorsed by both parties then the bank should be able to verify and accept the check for deposit or physically send it for collection to the paying bank.
,A check is a legal document akin to a contract that gives very specific instructions about how funds are to be used and transferred. I went to the bank for the last time and they decided to deposit it into my account and hold it for four days. How do I endorse a check to someone else Chase mobile deposit? The solution is called a "signature guarantee," sometimes called a "medallion guarantee." Stay tuned
,Thanks for the update. We were both there!! Will my new bank still deposit this check or will they be weary and not do it? can anyone tell me the speaker wire colours for a peugeot 307? The banks would not do this to a large depositor. Make sure you understand the rules when you have a check written to you and another person. If you have someone who knows your account number, they will be able to deposit the check for you. Check was made out to "A", "B; no "and" or "or". Direct deposit checks of course. So I went and got her and got her signature and deposited the check. Before you pen your signature, double-check that the name on the front of the check matches the signature on the back.
Thank you Simon! It does not have and/or on it. They did send me a check, but it was also made out to our general contractor. (Explanation Revealed! Even beyond that, TD waives fees, regardless of . She deposited the check in her single names account st BB&T. According to your article, she can. Is that legal and do you know what their policy is?
,The county I live in has a "Victims Assistance" program. I put the following on the back of my check: For deposit only to Commerce Bank, My Name, My Account Number, I went into chse i tried depositting my check she said it would take awhile for the check to clear up to 7 days but i needed the money that same day so i asked for it back she stamped Endorsement cancelled by J.P. Morgan on the back of my check so when i went to cash it they said theres no way they can cash it because of the stamp, Your email address will not be published. My brother that forged the check was charged and convicted of the forgery
,How can Jeff watch his mouth? I sent in all requested legal documents to the bank and they still wont reissue a check. If they do, they may be able to help you recover the money. I am looking into the commonwealth's attorney at this time. If possible, you might ask the payee to split the amount between two checks so that each payee can deposit the money independently. There's usually another line that says, "Do not write, stamp, or sign below this line.". How can I cash a check thats not in my name? I have a pfa and no contact. (Finally Explained! The rules are generally the same across most of the top U.S. banks, with a few additional requirements by some banks. !
,hi,
I've received a check from my home insurance holder for a claim due to water damage on my home, the check was written to me, the adjuster and my mortgage company. They say it's because of the amount. 2nd round check of 2400$ was deposited on Feb 3rd and 3rd round was deposited on March 17th. Restrictive Indorsement in the Uniform Commercial Code (UCC) 3-206 Subsection C. Site Maintenance - Friday, January 20, 2023 02:00 - 05:00 UTC (Thursday, Jan Checks made out to multiple parties with 'and'. What if I deposit a check into a Bank of America ATM but forget to endorse it with my signature on the back of the check? and says both payees must endorse. How would this one fall under the and/or category? ?
My ex is telling me to endorse the check and send it back to him and he will deposit it (he already signed) I told him you can't, I have tried twice at different branches and now I understand. My HW works fine and comes on, people use that alot. For example, assume that today is January 1, and you're writing a check. Thus, signatures probably don't matter much unless you use the teller and you want cash instead of a deposit. It is important to write the name of the person you are signing the check for in the endorsement area under your signature. she endorsed the check and at the window I signed the check and we deposited it into her account. For now I'm keeping custody!
,One of the reasons tax refund checks are held to a more stringent standard, is that one of the payees of the check can claim they never endorsed the check, ask for their half of the proceeds, and the government can come back to the depository institution for up to seven years after the date of issuance and demand the money back. Commercial Banking. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. In the rare instance that you ever receive a check that is written out to you and another person, it can be a major headache to deposit the check if you dont share an account with this other person. They would place their signature under the order in which you paid. Your deposits are arranged by date. This site may be compensated through the bank advertiser Affiliate Program. Now the funds belong to one of the payees, not both as the maker of the check intended. ), TD Bank(If it is a tax refund check, all payees must also be joint owners of the TD Bank account. In the event that the check goes through successfully, the second party can take legal action to retrieve the portion of the funds that belong to them.
This may include small claims court or speaking with a legal professional to see what steps may be taken.
,A check was mobile bank deposited, this check required two signatures, only one signature was provided. is there a way to claim damages, to me by her refusal to allow me to use any money by refusing to sign?
,I have a check with my name on it then a : then my ex roommates name. If it's later than the current date, then it's a postdated check. Simon Zhenis the chief research analyst for MyBankTracker and an expert on consumer banking products, bank innovations,and financial technology. Unless the check is payable to you then they will be able to deposit that check. I was told to take it to another bank. Him? There was an overpayment of escrow of almost $2000. Unfortunately, this will prove to be a laborious chore, especially when it comes to getting government-agency checks reissued. Made out to me and auto body shop. How do I submit an offer to buy an expired domain? It's crazy but I've seen it in court and it happens everyday. Other times would be just personal checks to two payees, but I would think that those situations are much more easily addressed with a rewritten check.
,Great article. If you dont see this link, it means that the account is closed and you wont have access to your money for a period of time. Only applies to paper checks. The sum was small
4. If you dont see the link, you may need to log in to your banks website and click on Account Information to see your current balance. I looked at the card/signature and said "now we have a problem" then proceeded to show her the check, in which my signature was forged. In order to deposit or cash one of these checks, you need to fulfill the requirements of endorsement: That is, the check must be endorsed to you. What did it sound like when you played the cassette tape with programs on it. The bank that endorsed the item on the way to the payor bank is notifying the world that they don't want their endorsement to be used against them if the check bounces later. what can that person whose name was also on the check do?
Ok so apparently a Walmart employee at the Walmart were I purchased my money gram money order deposited the money order that was sold to me to there bank act mobile blank to Wells Fargo so wen I wrote the money order out to myself n tried to cash the money order it bounced in my act and I had to jump thru months of runaround from moneygram to get proff the money order wasn't cashed by me n the directed me bk to wells fargo I fussed with them because I thoygh they told me they didn't collect the funds and wen I went to wells fargo about it the banker told me it was cashed blank as a mobile deposit the day I purchased it n they told me to report it with Walmart now I feel the bank is responsible for this fraud because there was no signature no person name or address it was blank as a mobile deposit that is a big issue about them letting ppl get away with committing fraud with they bank because no other institution would cash a blank money order am I correct
,My husband is in jail and has been since may of 2020 our stimulus check was deposited in his account but it also has my name on the check as well as his the bank is refusing to return the check to the irs and won't give me access to the money even though it has my name on it as will is this legal it isn't a joint account are they allowed to keep the check
,Hello my wifes economic stimulus check was sent to our home address but shes incarcerated in another state and we dont have any accounts with her name on it .I guess the check is worthless and I cannot do anything with it.I have contacted everywhere I could to get a place to cash or deposit it and my own bank I have had for over 20 years will not touch it unless shes with me to deposite it or open an account iam at a loss of what to do .I even tried to get her name on my account and again she has to be physically there to do so.and they told me even if we had a joint account she still needs to be physically there .They told me it's a crime for me to sign a stimulus check because Gov checks cannot be signed over to anyone .I cant do online because I dont have any of her ids here with me If anyone can be of help please let me know my email address [email protected]
,On a three payout check what happen if one payee refuse to sign unless he is pay his portion by other means?
,Just went to bank of America to deposit a check into my wife's checking account. The hostess gift, Glow parties are the latest cool, fun trend among teenagers. It has both mine and my ex-wife name on it but she is refusing on signing it. Is there any way to not go through all this Hassle and any other bank or anything so I can get this check cashed I need the money so I can help my grandchildren get their school clothes and supplies for school starting on September 1st do to myself and my husband having guardianship over my grandchildren until my daughter gets her mental health under control. The teller did warn me that she should have been the bottom signature on the endorsement . that sounded to stupid.. she said the bank could kick the check back for 3 years.
,my ex husband received multiple check with his name and mine but it said and or he had the corresponding address changed to his received all 4 checks cashed them and kept the money. This was at RCB Bank in Hutchinson, Kansas
,I'm in exactly this kind of situation. Checks above a certain threshold (may vary from bank to bank) may require verification of sufficient funds in the account against which the check is drawn.
If the bank suspects that the check cannot be honored in full, the bank could reject it.
,So if the check did not say "and", you are screwed. Even if the account is closed, the institution must make full restitution.
,that's all bullshit I never see my tax filings or tax returns. Though I will say tax refund checks may be different. What does chain kalli ki main kalli mean? How do I endorse a third party check Chase? I don't have a # of the issuer to callHELP!
,Simon, I bank with BB&T and no longer have a joint account with my now ex spouse. Rather, legal action would be required to get back the money that belongs to you.
,My sisters and brother received a insurance damage check for a jointly owned property. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. The check needs to be deposited as if its signed. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Nobody ever bothered me or called me about it, and the money appeared as normal. They have to mail a paper check with both names and there is no "and, or" just both names separated by a comma. We each have longstanding accounts, we each have signature cards on file, money was going into one of two accounts
3. what if one of us had died? Can I deposit a friends check in my account Chase? I emailed them my situation and actually got a reply that they are going to get a status from the Officer I filed my report with. Of the big banks, BB&T has the most demanding policy where payees must also be joint account holders. Step 1: Speak with your lender. selena gomezs real phone number!!!!!!!!!!! Depending on your bank they may not allow a check payable to someone else to be deposited into your checking account. This content is not provided or commissioned by the bank advertiser. The transfer of ownership for the bank is endorsed by this. You do not have to endorse a check at the bank you have an account with. Does this include direct deposit tax checks (which I assume ARE actually checks sent by the IRS to the bank by direct deposit? For these scenarios, the payees are represented by John and Jane. Essentially, if it isnt clear, it follows the same rule as if the check is written to John or Jane. They refused to cash the check. And now I have proof from IRS and the bank that they were deposited.
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