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There's always something else to worry about! LOL! It never ends!
to solve this problem you could open a joint account before the wedding. But you still need to go to the bank with your marriage certificate in hand so that they will change your last name on your joint account. The only way to get around this is to wait a month or so after the wedding to deposit your checks. By that time you will have the certificate in hand.
We were able to deposit our checks into our joint account even though the account had my maiden name on it. Honestly, most banks don't even look at what the name is on the check.
what a pain! this happened to us too. i didn't change my last name (and don't plan to) and despite being clear about this plan with everyone, we still got checks made out to both of our first names + his last name. even though we have had joint accounts for a while with both of our names of them, the bank wouldn't let us deposit them! it was kind of awkward, but we did let people know and asked if they wouldn't mind issuing a new check with the right names.... major pain!
Yeah, I didn't have too many difficulties. Our checks were written a multitude of ways. The banker tried telling us "next time, make sure they write your name correctly" uh yeah. next time I get married, I'll be sure to send out the memo first! lol I just made sure my husband signed it if his name was on it. We also have a joint account already though, so maybe that helped.
we asked about doing a joint account then but they said it was useless since i still didn't have the same last name that was on the check. we didn't have the marriage certificate yet, it was just a few days after the wedding and we were leaving for the honeymoon soon and wanted to get the money safe in the bank while we were gone. why do they make things so hard on us after weddings! funny story- the lady at the bank said to my husband, "you know that if you open a joint account that means you can put money in and she can take it all out, right?" ummm.... yes. we know what joint means. thanks.
@goodheart. that sucks! i always write a check to the boy because he usually never changes his name.
Maybe the reason I didn't have problems is because I went to the ATM? I think you can put anything in the ATM and they won't care! I would try that before going to a teller.
That's really crazy. I worked at a retail bank for years, and all we'd have couples do is have the husband sign his name, and then the wife sign her name as it's spelled on the check, and under that signature, sign her maiden name.
We'd also allow those checks to go into one account, so long as the person who wasn't on the account was able to provide valid ID. We'd record the ID, and check the system to make sure they didn't have any charged off accounts... and then the checks would be deposited.
Every bank is different though... and who knows, things may have changed in the 3 years since I was a teller! I'd go to the branch where you opened your account and talk to the manager. Maybe she/he would be willing to sign off on the deposit, considering you were just married! They'd probably be more willing to do this if you were added to the account, which is no big deal.
Agree with Blueshoes...I had to sign them all twice (with old name and new name) and husband had to sign them all once. Took a while but we had no problems (this was at Chase Bank, if that helps).
We BOTH endorsed the checks (i signed my new name), showed the bank our marriage license and they deposited them into our account. In fact, we cashed our checks before i got my name changed. They were very accomodating!
Bank of America did allow me to deposit checks made out to the two of us before I changed my name; however, I was already on the account with my maiden name and my husband endorsed the check. They did ask a manager to approve the transaction, but it went well. This was about a week after our wedding.
go with credit unions - they are wayyyy more accomidating - my sister didnt have problems at all! but good to know with the joint account though.
I think both of you just need to endorse it and try depositing it again. Some retail bankers won't even bother looking into it.
We waited until I had a license with my new name. We just endorsed the checks however they were made out. I have my maiden name as a second middle name so maybe that helped? We use a Credit Union.
the problem we ran into was my family misspelling our last name. (we did a courthouse marriage and are now planning our big wedding) ive even told them how to spell it. this past christmas i sent out cards to my family a little early and made sure to spell our last name in big bold letters for them and some of them still misspelled it. its actually getting to the point where its annoying me. my grandma is the worst about it. i think she spells it different every time. when we go in to cash these checks, the bank is a little hesitant but they just have us sign it both ways with the correct spelling under the incorrect one. for some reason my family doesn't seem to get that our last name ends with 2 f's and 2 e's. we've even had people replace the f's with S's. some days it really makes me miss maiden name. lol!
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This is a warning to those of you who will be depositing your wedding checks after the wedding... and who might be in your wedding daze which makes you kind of stupid like we were!
Every single person wrote our the checks to "my first name, my husbands first name, and my husband's last name." we are going to set up a joint account after i change my name, after the honeymoon, after the marriage licence comes, so we just wanted to get the checks in the bank where they're safe quickly and figured he'd put them in under his account since they're under his last name. he went down with the first batch, there were no issues. we got some more in the mail so he went again, and they told him that since they had my name too they couldn't accept them without me, and since it wasn't my last name they couldn't accept them at all, and the previous checks shouldn't have been accepted and might come back to us.
the moral of my story, either wait until you change your name to deposit your checks, or if your not changing your name let your guests know so they don't write your "new" last name on the check. or you won't get your money.