Post # 1
So, we got quite a few people write us checks as our wedding git, which is great, but we REALLY need to deposit them (it’s been almost 2 weeks now… we suck). However, most of the checks say Mr. and Mrs. Joe… my bank account isn’t switched to my new name yet, but my husband(!) is a joint account holder. He never uses the account and doesn’t know his PIN though… should he just sign and i deposit them? Do we both have to sign? How will this work?
Post # 3
Most banks require that both of you sign. I suggest if you can that both of you go to your bank and ask what their requirements are. You may have to wait till after the wedding to cash the ones that say Mrs.
My husband and I have Chase and BOA accounts and they required both our signatures when the check was made out to both of us.
Post # 4
- Wedding: May 2018 - Our home and the two acres it sits on
It depends on your state and your bank, but generally one of you can sign the back as long as they write "for deposit only" underneath. Then the second account-holder doesn’t have to be present, since the assumption is that once the money is in your account, whatever rules govern account access go into effect. You can do that when people write checks to your children as well, btw.
You can also go in in person, have him sign, and take a copy of your marriage certificate!
Post # 5
I used to work at a bank and this is how we used to handle it: Both of you go in together. And I would go to the customer service desk first, not the teller line (unless your branch isn’t busy). They will tell you how they prefer you to endorse the checks. But probably they’ll tell you to have him sign the check. Then you’ll sign how your name reads on the check. Then underneath that, you’ll sign how your name reads on your account. Unless of course you can go get your name changed before hand and have the paperwork with you so you can just change your name on your account at the same time. One last suggestion, when you do go in to change your name, give yourself some time. It’ll take up to a half an hour (or longer if you have a lot of accounts). So go in when it’s not too busy (weekday or early Saturday morning) and you and the bank don’t have to feel rushed. Hope this helps!
Post # 6
Just sign them over to meeee! 🙂
Congratulations on the wedding! If it were me, I’d just call the bank and find out from the customer service manager. You don’t want to do the wrong thing, and have them refused.
Post # 7
We went to the bank together (wells fargo) and they just asked for both of our ID’s and deposited them all no problem. You may want to bring a marriage certificate with you (even the church version will work) if they have any problems
Post # 8
I just called the bank and I didn’t ask about this specifically (doh!) I did ask if I can just go into the bank to have my name changed (with the marriage certificate) and they said I could do that or mail it in. When I looked online, it only said a mail in option, and I didn’t really want to mail a copy of my marriage license! Now I just have to brave the nonstop rain to get over to the bank today…
Post # 9
When I legally changed my last name a few years ago, I never got around to changing my last name on my bank account – everything else (SS, Driver’s License, credit cards, payroll at work) was in my new last name. I had no problem depositing checks written out to my current last name into the account that had my former last name. I think you’ll probably be fine. (I eventually close the account because BoA and I don’t get along).
Post # 10
I would go into the bank with your husband amd marriage license. Then you’re safe. Otherwise call the bank and ask what they require.
That’s so exciting, though!
Post # 11
It should be fine for just one of you to do it. You can always deposit a check for someone else as long as you write for deposit only, so I can’t see why this would be any different. This got me thinking, though, I am not planning on changing my name. But some of our guests might not know that. What if they write a check to my new name, which doesn’t exist?!
Post # 12
It may be a pain in the butt.. but it will be easiest of you go to the bank together (with your marriage license) and sign and deposit them that way. Also be sure while your there that your guy gets his PIN number!
FI and I got engagement checks and it had both our names on and we had a joint account, but I couldn’t deposit them without him present. Super annoying but it takes all of 20 minutes.
Post # 13
Husband and I went to the bank when he got off of work. They seemed a bit annoyed with us since the checks were written to us in a million different ways and were telling us how they should have wrote the check instead, but it’s not like I could have controlled what they put. Should I have gone up to each guest and said, "thanks for coming, oh, can you write us a new check?" haha
Juniper, just maybe try to get someone who knows most of the guests to let them drop the hint that you will not be changing your last name lol Or you can try to casually mention it to anyone you talk to. Some of the checks had my new last name, some had my old, one had both names. It was a mess lol Overall they were friendly about it. They weren’t busy or anything so it wasn’t too bad, but it was about an hour until closing time :p My bank is Wamu by the way, well, I guess it’s Chase now *sniff sniff*
Last thing I have left is social securtiy and my state ID! (I never got a driver’s license…)
Post # 14
Once I wrote a check out to the Bride and Groom with the wrong last name! I couldn’t remember if the grooms last name was O’Reilly, O’Brian or O’Shea. I still feel pretty stupid.
Post # 15
Wow, I feel like our bank must be super lax! We have a joint account together, and we went in together to deposit all the checks. But only my husband signed them and they never even asked for my sig, our ids, the marriage certificate, nothing. We also asked for a print out of all our account information at the same time.
So, if you want to commit identity fraud at a bank that doesn’t check first before allowing you access to someone’s account information, come to our bank! 🙂
Post # 16
I had no problems depositing checks into our joint account that said Mr and Mrs NewLastName. I just signed my maiden name and they accepted. There was one check that was made out to just him, so he deposited that one and signed, but everything else I just stuck into the ATM and the money showed up in our account.