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How & Where To Deposit A Check With Two Names

A two-party check is a check that is addressed to two payees. Learn the important difference between “and” and “or” as well as how and where you can cash it.

writing check
Pay careful attention to the "Pay to the Order of" line of a check.

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. We do not yet have a joint bank account. Is it possible to deposit the tax refund check into one of our own checking accounts?

- Daniel P.

Based on the law, it's important to look at what the check writer put down on the “Pay to the order of” line.

Two-party checks are made out to “Party A and Party B” or “Party A or Party B.” Note that there is a major difference between the two.

Quick answer: If a check with two names says “and,” on the "pay to the order of line" then everyone has to endorse the check. Otherwise, any party named on the check can deposit it into his or her individual bank account. This rule still applies if it is ambiguous whether the check is payable to both parties or either party.

What is the difference between “and” and “or” on Two-Party Checks?

If the check states that the funds are paid to either party by using "or" instead of "and", then either one of the two payees named on the check can deposit the funds into their individual bank accounts.

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's also a hassle if you cannot get a signature endorsement from the other party. Some banks go further as to require that all parties visit a branch with government ID to verfity the signatures.

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.

In every case, all payees must endorse the check with their signatures.

Two-Party Check-Cashing Bank Regulations

Since refund checks from joint tax returns are paid out to both filers, you’ll have to follow your bank’s policy on check deposits that contain multiple payees (each bank has its own policy).

Banks must account for the risk involved in the possibility that a check was written out to multiple individuals and one of the individuals attempt to deposit all the funds into his or her own account.

Some banks can be very strict.

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 (does not apply for regular checks). Popular online bank Ally Bank has the same policy.

Chase and Wells Fargo requires 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.

Other banks are rather lenient. Citibank and online bank Capital One 360 simply required that checks are properly endorsed by all payees. They don’t stipulate that all payees must provide identification or maintain joint accounts.

If a check is written to multiple payees, big banks may have special rules (otherwise, they follow the law for accepting these checks):

Bank Rules for Multiple Payees

Bank Special deposit rules for multiple payees
Bank of America For tax refund checks, all payees must also be joint owners of the account.
Chase -
Wells Fargo -
Citibank -
U.S. Bank -
Wells Fargo -
PNC Bank -
TD Bank For tax refund checks, all payees must also be joint owners of the account.
BB&T For all checks, all payees must also be joint owners of the account.
SunTrust -

How To Deposit A Check With Two Names

It would be best to call your bank ahead before you deposit the check. Also, do not deposit the check through an ATM and hope that the bank will accept it.

If the bank finds that the check deposit was in violation of its policies, it may become much more of a hassle to get the situation cleared up.

Tip: In most cases, you would be better off asking the payer to write two separate checks. For checks issued by government agencies, you'd have to contact them for a reissued check.

For tax refunds, you can contact the Tax Help Line for Individuals at IRS by calling the toll-free number at (800) 829-1040 to ask for a new check.

When Payees Find Out Their Checks Were Deposited Unknowingly

There have been many cases where checks are written to multiple people and one of the parties find out that part of those funds belonged to them.

This often happens when the check states "or" in the payable line.

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. Note: This activity is illegal and against the law.

Other parties may not know about the check being deposited without their consent.

Once they find out, it may seem logical to pursue the bank(s). However, that move tends to be ineffective when it comes to retrieving their portion of the check funds.

Ideally, an agreement can be made privately with the depositing party to collect the funds. If not, you would have to take legal action to get the money that belongs to you.

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Ask a Question

Thursday, 29 Apr 2021 3:54 PM
<p>Same here, but it was me. Didn't notice the mortgage company was on there. Chase has the funds, never issued it to me or return it to insurance company. We're still trying to figure out what next, any ideas?~DeeDee</p>
disqus_M2Onl9cbP3
Friday, 15 Jan 2021 2:23 AM
<p>Did you recover an answer?</p>
disqus_M2Onl9cbP3
Friday, 15 Jan 2021 2:21 AM
<p>Hello quick question. Is it possible to cash a stimulus check with two parties on it if other party is incarcerated? She doesn’t have a bank account. The check has the word and on it so no party store will touch it. He has one too in prison same situation. Is there a way to remedy this so she can cash her half without having to call the irs and ask for another check in her name only?</p>
lupeslovingcare
Saturday, 21 Nov 2020 2:37 AM
<p>I have a check payable to A "and" B, A can not be present at the bank cause he is out of the State. A and B don't have a joint acct. The person who issued it says its a government check and they can not reissue another one wording A "or" B. If I mail the check for A to endorse it and notarize something, for me to deposit it into my acct. You think that will be fine?</p>
edzekielcontreras
Thursday, 05 Nov 2020 10:39 PM
<p>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?..</p>
disqus_Dr38xvT1pb
Tuesday, 27 Oct 2020 8:41 PM
<p>My contractor deposited an insurance check without my endorsement or the mortgage company’s endorsement! I’ve complained to everyone under the sun, the bank, the insurance co, the mortgage co., and no one cares! Now what?</p>
angelqudomi
Friday, 17 Jul 2020 9:04 PM
<p>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</p>
angelqudomi
Friday, 17 Jul 2020 9:03 PM
<p>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</p>
windplan
Wednesday, 27 May 2020 7:09 PM
<p>My wife and I received an insurance company refund check made out her AND me. I tried to deposit said check in our joint checking account with the endorsement “Deposit to the account of the within named payee.” This was denied - bank requires both of us to endorse the check. Why can’t the standard within payee endorsement work?</p>
disqus_SQkI2bDTIM
Friday, 24 Apr 2020 8:59 PM
<p>Capital one definitely is strict when it comes to 3rd party checks. Both parties have to be present at teller with ids to sign the check over.</p>
Thursday, 20 Feb 2020 1:14 AM
<p>My sister lives with me she received settlement check every month she indorse the checks to me get my home address on it and my last name can I deposit it to my account true ATM at wellsfargo</p>
Tuesday, 04 Feb 2020 7:23 AM
<p>What if instead of "OR" the issuer use "/" can this be encash by any payee?</p>
shellekinlen
Sunday, 02 Feb 2020 7:51 PM
<p>If I have a duel party check, with the other party being a business but there address as the same as mine and having the original check, how do I get it notarized?</p>
Tuesday, 21 Jan 2020 11:48 PM
<p>Me and an ex were on a mortgage together. We split, she leaves and I refinance in my name only. Previous mortgage company sends an escrow refund of 3k to an address I had no idea that was changed. The check had her name first and mines second. She deposits to her account without me ever knowing. What route should I go in this situation?</p>
Sunday, 12 Jan 2020 2:45 AM
<p>🤣🤣🤣🤣</p>
Monday, 09 Dec 2019 4:16 PM
<p>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?</p>
Wednesday, 02 Oct 2019 4:38 AM
<p>What if it has two names with a slash (/) but doesn't say "and" or "or"?</p>
Wednesday, 18 Sep 2019 2:14 AM
<p>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</p>
MyBankTracker
Saturday, 31 Aug 2019 12:06 AM
<p>Call the insurance company to see if they can write the check with just your name on it.</p>
MyBankTracker
Saturday, 31 Aug 2019 12:04 AM
<p>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.</p>
Tuesday, 27 Aug 2019 4:13 PM
<p>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</p>
cassandra_delgado
Tuesday, 06 Aug 2019 3:29 PM
<p>I'm having same problem.what did u end up doing?</p>
disqus_hUqk1fdL3B
Monday, 15 Jul 2019 4:56 PM
<p>I still don't know if I'm able to cash my check. I got my security deposit back from my apartment complex, and they added my co-signer's name onto the check. The check does not say "and/or". It just says our names. So would I still be able to cash this check without my co-signer involved? It's a family member, and the deposit itself was my money. They just co-signed so I could get approved for the place.</p>
disqus_xRDR5seOxd
Saturday, 12 Jan 2019 10:15 PM
<p>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! Anyone knows what to do in that case? Thank you!!</p>
Sunday, 21 Oct 2018 4:26 AM
<p>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</p>
Thursday, 26 Jul 2018 4:51 PM
<p>I have a check made out to and also c/o another party and the c/o party cashed check without my knowledge. Can they do this?</p>
TruePath
Thursday, 12 Jul 2018 10:26 PM
<p>If it's a close family member maybe get a power of attorney for them?</p><p>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.</p>
TruePath
Thursday, 12 Jul 2018 10:20 PM
<p>I'll just need your name, address and social security number to make sure the right person gets it...ohh and maybe your mother's maiden name.</p>
TruePath
Thursday, 12 Jul 2018 10:18 PM
<p>How does a bank go about verifying that someone is an authorized signatory for Medicaid?</p>
TruePath
Thursday, 12 Jul 2018 10:17 PM
<p>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.. 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. 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.</p>
TruePath
Thursday, 12 Jul 2018 9:59 PM
<p>That's complicated. Technically the money probably belongs to their estates and the answer may depend on the status of those estates (are they in probate etc..). I mean imagine it was a huge check and a family rift meant they'd excluded you from their wills you wouldn't have any legal right to their assets just because it was in the form of excess mortgage payments.</p><p>If someone is the executor of those estates they probably have authority to deposit that money (but with certain responsibilities) so if you are the executor you need to show bank a bunch of paperwork (at least from what I remember when my mother did this after my grandparents passed). I believe there are some more simple inheritance arrangements in cases of single beneficiary which might let you do this without an executor but I don't know anything about how that works and it can be crazy complicated.</p>
jeankutzer
Tuesday, 19 Jun 2018 2:28 AM
<p>I friend of mine lost her ID last week late Friday afternoon. She had a refund check for $48 written by a county agency. My bank would not let her sign it over to me. I have never seen that happen before. Did she have an alternative? Where and or how can you get one of those cashed?</p>
disqus_snFM8On2PM
Sunday, 14 Jan 2018 7:24 PM
<p>I received a check from my employer from his financial institution. Written in my name with ink. Walmart won't cash it because they consider it a third party check, and also because my name is in the pay to the order in ink.</p>
Tuesday, 09 Jan 2018 6:53 PM
<p>How can I send it?</p>
Sunday, 07 Jan 2018 8:56 PM
<p>I'm having the and problem. Did you get this settled?</p>
Wednesday, 03 Jan 2018 8:51 PM
<p>MOTHER AND SISTER ARE ON THE MORGAGE PAYMENTS. THEY ARE DECEASED AND IM THE ONLY ONE ON THE DEED. I RVCD A SURPLUS REFUND IN THEIR NAMES NOT MINE CAN I CASH IT ENDOSING OVER TO ME</p>
Wednesday, 29 Nov 2017 3:04 AM
<p>I received a check for my totaled car from american family insurance but it has my name &amp; ally financial on the pay to order.what do i do now?</p>
Saturday, 21 Oct 2017 8:42 PM
<p>I received a reimbursement check from my previous car insurance company—it was made to myself, my mom &amp; my brother in law but the funds belong solely to me. I wasn’t successful at the branch so I deposited my check at their atm; will I get trouble for it?</p>
Sunday, 08 Oct 2017 8:22 PM
<p>This happened to me. Escrow refunded check to me and my ex husband after house was sold, but it should all be mine since he has not lived or paid mortgage on the house for 2 years. Ex husband took check and deposited it all.</p>
Friday, 22 Sep 2017 4:30 PM
<p>I have a similar situation (reimbursement check for a dead relative's apartment security deposit). Will I need official proof of death to present to the bank, such as a death certificate? I only have a written statement from the apartment owner indicating that the other party is deceased.</p>
MyBankTracker
Wednesday, 09 Aug 2017 4:14 PM
<p>You may deposit it into your account, but you'll need a signature from Medicare and Medicaid. Contact your Medicare/Medicaid office to see how they can help you with that.</p>
MyBankTracker
Wednesday, 09 Aug 2017 4:03 PM
<p>Yes, you may consult a legal professional to discuss what actions you can take against your husband to retrieve the portion of the funds that belong to you.</p>
annimherre
Sunday, 30 Jul 2017 9:52 PM
<p>My husband sold stocks that were jointly purchased. He received the checks which were endorsed to both of us, x and y. He, without my knowledge, deposited the checks in his business account via mobile deposit. I did not sign the checks. Do I have action against him?</p>
Friday, 30 Jun 2017 11:50 PM
<p>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..</p>
jackthrams
Thursday, 29 Jun 2017 4:41 PM
<p>I don't have a check. Can someone please send me one? No need to fill in the dollar amount - I'll take care of that. Also, just make it out to "cash."</p>
MyBankTracker
Thursday, 22 Jun 2017 3:33 PM
<p>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.</p>
MyBankTracker
Thursday, 22 Jun 2017 3:30 PM
<p>You will probably need to take further steps to deposit that check. You may consider calling the insurance company to reissue the check with proof that your sister passed away. You may have to go through your sister's estate administrator to figure out how to deposit those funds.</p>
MyBankTracker
Thursday, 22 Jun 2017 3:25 PM
<p>This is tough to say as it would depend on how the depositing bank viewed the "c/o" part of the check (assuming that the check was payable to "Your name c/o other party name").</p><p>It could be ambiguous enough that it would be considered "or" -- meaning that the other party could cash it without your endorsement. Again, depends on how the depositing bank viewed the terms of the check.</p>
Wednesday, 14 Jun 2017 5:09 PM
<p>Did you get an answer for this....I am going through this now....my escrow was refunded to me and my ex wife...and should only have be payable to me....what answers did you get?</p>
Monday, 12 Jun 2017 10:57 PM
<p>I have a property tax refund check for overpayment made out to me c/o another party. Are they aloud to cash it without my endorsement?</p>
Thursday, 08 Jun 2017 10:27 PM
<p>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..</p>
Saturday, 03 Jun 2017 2:21 PM
<p>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 #</p>
zemira
Wednesday, 17 May 2017 5:56 PM
<p>I have a refund check written to 3 parties with an "AND" between each name. One party cannot be present, so I contacted the complex that issued the check and they said they could not cut another check with "OR" instead. Is there anything I can do? </p>
disqus_YeByCXRfdm
Wednesday, 22 Mar 2017 3:32 AM
<p>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. Says Pay To with names listed. I only have a warranty deed stating he signed rights over on his part and was noterized but we were never married any suggestions on what i can do bc the mortgage company says they cant do only my name and the other borrower has been out of home 10 years wasmt able to refinance at that time by myself. <br></p>
jayellnet
Wednesday, 01 Feb 2017 5:06 PM
<p>You're an aggressive a-hole :) you probably have mommy issues</p>
MyBankTracker
Wednesday, 16 Nov 2016 3:50 PM
<p>It doesn't really matter where the check was written from (aka the paying bank). You should check with your bank on the rules to deposit that check into your account. Most likely, all 3 people would have to sign it and go to your branch with you with proper ID.</p>
MyBankTracker
Wednesday, 16 Nov 2016 3:49 PM
<p>Yes, either party can cash it.</p>
disqus_9NHMUUIRf5
Sunday, 02 Oct 2016 11:04 PM
<p>I have recently moved out of my apartment, my refund deposit has all three names on it from the lesse. The check id from bank of america. If we all present government identificatiom are we able to cash it</p>
disqus_001krgjdFB
Tuesday, 27 Sep 2016 2:12 AM
<p>if the check does not say and or can either party cash the check??</p>
SimonMBT
Sunday, 18 Sep 2016 7:02 AM
<p>You should be able to deposit the check into your account without issue. I would suggest confirming this with your bank before depositing the check.</p>
Thursday, 01 Sep 2016 4:14 AM
<p>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. She has signed the back and endorse the check to me, does she need to be present when depositing it to my own account? When she no longer lives in the same country as I do? <br></p>
Monday, 25 Jul 2016 7:22 AM
<p>what if its made out to a deceased person and C/O to me?</p>
SimonMBT
Thursday, 14 Jul 2016 11:55 PM
<p>Not a legal professional, but it sounds like your check should be accepted without much issues.</p>
Troy_Trellman
Wednesday, 13 Jul 2016 1:38 AM
<p>Just got a Wells Fargo Settlement check made out to me and my deceased spouse. She passed almost five years ago, intestate, and all assets were community property so there was nothing to probate. What do I do with the check?</p>
Wednesday, 06 Jul 2016 6:34 PM
<p>I've been trying to deposit checks made out to two parties (with an AND), and one of them is deceased. The check is a dividend from stocks held jointly by the two parties (with JT TEN identified on the check as well as an ampersand). Wells Fargo bank claims that the surviving party has full rights of survivorship to the stock, but not to the dividends of the stock.</p>
disqus_oIklGo1HY9
Friday, 24 Jun 2016 12:33 AM
<p>I received a check made out to "The Estate of (my recently passed father) and (my name)." It's for an Insurance Claim. 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? Should I take his death certificate with me, as well?</p>
SimonMBT
Wednesday, 22 Jun 2016 6:14 AM
<p>I'm sorry, can you elaborate on what you mean by "draws"?</p>
SimonMBT
Wednesday, 22 Jun 2016 6:12 AM
<p>Your father would have to sign the back of the check as well. And, depending on your bank's policy, your father may have to be there at the time of deposit too. Check with your bank on the rules first.</p><p>If it would be difficult, you might try to have the check reissued in just one person's name.</p>
richshow
Monday, 20 Jun 2016 12:19 AM
<p>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.. I endorsed the check sent it to the mortgage company, now they are telling me that they will pay me draws... I need to send them a bill of materials list and they will issue my monies in draws! Can they do that? I paid for the ins, and my mortgage on time... I understand the check for dwellings, kind of but for other structures... I built those after I bought my house.... Does my mortgage company have the right to tell me when I get draws from what my ins company gave me</p>
todriecher
Thursday, 16 Jun 2016 3:25 AM
<p>I have a refund check from a car lease, it has my name AND my father's name on it. Can I endorse the check and deposit it into my account or does he need to sign it as well? That could be difficult because he lives in Florida as I reside in Michigan. </p>
SimonMBT
Wednesday, 08 Jun 2016 7:38 PM
<p>April, you should call your car insurance company and ask to have the check reissued under your name only.</p>
SimonMBT
Wednesday, 08 Jun 2016 7:32 PM
<p>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. Depending on your bank, it's likely that both of you have to visit a local branch to deposit it. The rules can vary by bank, so it is best to ask your bank for their policy.</p>
Wednesday, 01 Jun 2016 10:22 PM
<p>I got an insurance check an it has my name an the company that is to repair my car. I had already took steps an bought parts to have my car fixed. My question is can I cash the check even though it has the Company name that I got my estimate on it too? My name is first and then company name</p>
austincolemayo
Wednesday, 01 Jun 2016 6:18 PM
<p>i have a check that has my name and my sisters name on it witch one off us can cash it and were can u cash it at</p>
SimonMBT
Tuesday, 31 May 2016 6:28 PM
<p>That is correct.</p>
cottoneed
Tuesday, 24 May 2016 5:19 AM
<p>So, since rent checks on a commercial building are made out to my father "or" myself, I will be able to cash these checks on my own when it becomes necessary? Note - he banks at B of A, and I am not on his account.</p>
SimonMBT
Thursday, 12 May 2016 3:18 PM
<p>Rob, you've been depositing the checks correctly, so you're not likely to get a returned deposit.</p>
SimonMBT
Thursday, 12 May 2016 3:17 PM
<p>C, the names on the check dictate who can cash the check, not necessarily to whom the money belongs. 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. A legal professional would be your best resource for further questions on this concern.</p>
rbarker1159
Thursday, 12 May 2016 1:29 PM
<p>I have never seen an ATM deposit come back. You sign both names on the back and you deposit in an ATM.</p>
Monday, 28 Mar 2016 6:20 PM
<p>If you cash a check with two names on it, but it doesn't have an "And/&amp;", are you legally responsible to pay the other party listed on the check?</p>
disqus_IqRo4MdskF
Sunday, 20 Mar 2016 1:57 AM
<p>Yep, use the ATM as you did saves all sorts of hassles.</p>
Wednesday, 23 Dec 2015 11:02 PM
<p>I went to BOA to deposit a check more than $20k that was for 4 people (family) including myself. It was endorsed by everyone but the aggravating teller told me everyone had to be present with their IDs. I just went to an ATM and deposited there and it was available the next day :D</p>
SimonMBT
Friday, 09 Oct 2015 7:48 PM
<p>Typically, for insurance claim checks written to you and the lender, you sign the check and send it to your lender. The lender will cash that check and pay the repair shop (through which you get a repair estimate) directly to have the vehicle fixed.</p><p>It may vary, so you'll have to contact the lender to see what their procedure is for insurance claim checks.</p>
Friday, 09 Oct 2015 4:12 PM
<p>I receive a check from insurance since I crash. And on the check it has my name and my loan bank where I'm paying my car monthly payments . Do I have to send the check to my bank and for them to sign it ?</p>
SimonMBT
Friday, 17 Jul 2015 2:22 PM
<p>In this case, the check is written ambiguously so you should be able to deposit the check into your individual account. To be sure, I suggest that you confirm it with a teller when you go to deposit the check -- do not deposit the check at an ATM.</p>
disqus_xwBcBVbiZ4
Friday, 17 Jul 2015 12:59 AM
<p>I received a state check for refund from Maryland the check does not say "and" nor "or". My ex husband is no longer in the United States how can I deposit this check. </p>
sylviaabdulsam
Wednesday, 20 May 2015 7:01 PM
<p>I have a similar situation as carrie. The second payee is in Jail and has a restraining order on them against the first payee. The check says (AND) and the insurance company wont change the names on the check.</p>
ClaireMBT
Monday, 06 Apr 2015 9:41 PM
<p>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. Good luck.</p>
Tuesday, 31 Mar 2015 6:44 PM
<p>In many states, the mortgage company can't apply excess to a payment. They have to cut you a check.</p>
Sunday, 22 Mar 2015 2:39 AM
<p>My husband and I received our tax refunds filed jointly but we do not have a joint bank account yet. 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. So my question is, can I just deposit the check at MY bank instead since I am the second payee on this check? </p>
Friday, 20 Mar 2015 2:27 AM
<p>Car insurance check sent to me and my soon to be ex husband with both of our names with AND. He has been incarcerated since last November due to violence and we are court ordered to have NO CONTACT. How can I deposit the check into my account without him being there?</p>
Monday, 23 Feb 2015 11:50 PM
<p>I have the same the same issue</p>
Monday, 23 Feb 2015 11:49 PM
<p>Where you able to deposit the check</p>
Tuesday, 27 Jan 2015 12:00 AM
<p>I have a check made payable to me &amp; my husband. I have a POA for my husband. Still not able to deposit the check into my account. Any ideas?</p>
Monday, 26 Jan 2015 11:15 PM
<p>Why not just ask the mortgage company to apply the excess escrow to your next mortgage payment? That way you don't even have to mess with a check or involve your ex at all.</p>
Tuesday, 20 Jan 2015 4:39 PM
<p>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 quitclaim...i 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. Thank you so much for answering my question so quickly.</p>
SimonMBT
Tuesday, 20 Jan 2015 3:03 PM
<p>That is a tough question as the policy for the bank may vary on whether or not they'll accept a check that doesn't specify and/or. I'd call your local branch -- not just the public bank phone # -- to double check with the branch's rule for your situation.</p><p>On a side note, is there a reason that your ex-husband is still on the mortgage? 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.</p>
Monday, 19 Jan 2015 6:14 PM
<p>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 so...it doesnt say either "and" or "or" just both names...my bank acct is in my name only obviously since weve been divorced 15 yrs...do i need his signature if it doesnt specify and/or?</p>
SimonMBT
Tuesday, 30 Dec 2014 8:39 PM
<p>Unfortunately, if it says "AND" on the check, you'll need his endorsement as well. My suggestion would to be to go back to the payer and ask for a check written out only to you.</p>
Tuesday, 30 Dec 2014 6:58 PM
<p>I received a check in the mail written to my name and soon to be ex husband. Can I deposit check with just my name on the back? He can't be present due to restraining order </p>
SimonMBT
Monday, 08 Dec 2014 4:04 PM
<p>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. If it says "or," you shouldn't have a problem depositing it yourself. If it says "and," you may have to ask for a reissued check.</p>
Saturday, 06 Dec 2014 11:46 AM
<p>I have a insurance check that has my name and the financing name would I be able to deposit it in my account?</p>
Tuesday, 19 Aug 2014 4:01 PM
<p>I had a cashier check from Wells payable to myself and my contractor. I endorsed it as did my contractor- I received a copy of his drivers license and his contractor license. I presented it for deposit to my account and Citibank rejected it saying I could not deposit it but the contractor had to. They further indicated it was a federal law and not a bank law. I asked them to provide me with the federal law indicating such and I have yet to get a reply. Is this true and where is Federal law to document such policy</p>
Tuesday, 01 Jul 2014 10:13 PM
<p>when if the 2 payees are not related? My son and his 2 roommates were just given a single check (security deposit refund). 1 ex-roommate lives in Hawaii, the other 2 in Maryland. How can they obtain a endorsement from the Hawaii ex-roommate? They don't want to mail the check around. Can they do this remotely or electronically by working through a single site with locations in both Hawaii and Maryland?</p>
SimonMBT
Wednesday, 25 Jun 2014 5:07 PM
<p>Ted, thanks for pointing that out.</p><p>In the case government checks, payees would have to contact the paying agency to get a reissued check. I've updated the story with a more specific response.</p>
disqus_uoz0VYVdkw
Tuesday, 08 Apr 2014 7:39 AM
<p>Your answer is very generic when the question was very specific. Not helpful. How would you get the US Government to write a new check?</p>

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