Post # 1
hey everyone, i was wondering what is the best way to approach this..
we have received a few checks in the mail, and for some reason or another, they were made out incorrectly! some put our first names and then our new married name, but the bank will not cash a check to my fiance’s account if it says my name AND his name on the check and i can’t cash it because my account is not in that last name. in another instance, they put a completely different name for him on the check, which is funny considering they got it right on the card! what are you supposed to do with that? it seems kind of embarrassing and awkward to write or call up these people and be like ‘hey, can you re-write the check you wrote me for my wedding gift because you spelled my name wrong’ or ‘can you re-write the check because my fiance’s name is robert not richard.’ any thoughts?
Post # 3
If you bring your wedding license to the bank, they should cash checks for you written in either name. If your new hubby’s name is on the check and not the account, he simply needs to sign the back of the check, then anybody who signs after him could also cash the check. I think if they name is wrong, you simply sign the wrong name then the right name on the back of the check.
The bank should have explained this to you. Shame on them.
Post # 4
Oh wow I didn’t even think about this happening, good thing you asked so now everyone acn beprepared for it if it should happen to them.
Candi is right, they shoul dhave explained it to you and I find sometimes the "lower men on the totum pole" at business only do as much as they need to to get by, failing to go an extra mile or minute. So maybe go in and ask for the bank manager, someone who is bound to do whatever it takes to help you resoplve the situation. I mean, really now, this has to happen all the time and I doubt very much people just go "Well we didn’t really need that $50, toss it out" 😉
Goo luck and let us know how it goes in the end so we all know what to do/expect when and if this happens to us!
Post # 5
Looks like your wedding date is just around the corner, and you’ll have a certified marriage certificate a few weeks after. Can you wait until you get the certificate so you can bring it to the bank?
If you need the money now, then you and your FI should physically go to his bank together. As long as you have an ID, and your FI has an account at that bank, they will usually make the exception. You just have to endorse the check in front of the bank employee.
For the check with the completely wrong first name, you just have to ask the manager if they’ll help you out. If the check amount is minimal, it shouldn’t be that big a deal. But if it’s a large amount, they may be stricter. Good luck!
Post # 6
I’m surprised that your FI couldn’t cash the check- we’re married now, but we’ve never had problems with one of us depositing a check made out to both of us. What if you both endorsed the check?
The one with a completely wrong name on it, you might just have to wait till after the wedding when you can deposit it, and if necessary, just have him endorse it too then.
Post # 7
Candi is correct, well as far as NYC is concerned. My husband and I got numerous checks made out to the both of us using many variations of our names. We took a copy of our marriage certificate with us and had no problems at all clearing the checks. If you are not yet married, you may have to wait until the day after as I don’t know if they will honor a marriage license the same way they would honor the certificate that is usually given to you after the officiant has signed it the day of.
Post # 8
I would try to cash it before letting it sit until you’re married. I just always feel like when someone writes you a check it’s polite to cash it as soon as you can. Even if they keep a maticulous record of their finances it can still trow off a checking account with a check for $100 flaoting around out there. Not to mention you run the risk of losing the check in the post-wedding shuffle.
Are they friends of your paretns at all? Maybe they can make the phone call to the writers if the bank is still being stubborn? Just an idea.
Post # 9
thats weird – we got checks made out to mr & mrs his last name, me with his last name, him alone, etc….and they all went into my account. My husband asked the teller and she said there was no problem, they get large amounts of checks like that all the time, and they knew there was a wedding.