(Closed) cashing checks that have your new last name?

posted 7 years ago in Names
Post # 3
1060 posts
Bumble bee
  • Wedding: October 2012

I had no issue, however we had a joint accout so they could probably figure it out from seeing his last name on the account. But I think if it is a deposit it is less of an issue than a withdrawl.

Post # 4
18628 posts
Honey Beekeeper
  • Wedding: June 2009

You probably will need to have a joint account to deposit these checks since they are written to two people instead of just one.

We had a joint account so I was able to deposit into our accounts without problems.


Post # 5
7426 posts
Busy Beekeeper
  • Wedding: February 2013

We had major issues with this. My major bank wouldn’t deposit them, and I had to write a letter to DH’s credit union saying it was okay to deposit them. I also had to include a copy of my drivers license. If you can get a joint checking account, do it!

Post # 6
2892 posts
Sugar bee

Agreed. Joint checking will be the way to go – even if you don’t intend on keeping it. The checks we received had a million variations of our names but there were zero issues depositing them into our joint checking account. The teller just assumed we had recently married.

Post # 7
726 posts
Busy bee
  • Wedding: April 2013

I had no problem at all depositing any wedding cheques into my (non joint) account. I was even able to despots a cheque that was just written out to my husband. 

Post # 8
2555 posts
Sugar bee
  • Wedding: April 2013

it’s not true that you need your joint account


my husband and I deposited our checks in either his account or mine, going together to the bank with id and marriage license


it took about 3 minutes

Post # 10
7199 posts
Busy Beekeeper
  • Wedding: October 2015

@mrsrecon:  I worked at a Credit Union and technically, if you have a check written to “M *and* M Recon” it has to be deposited into a joint account with BOTH your names as they are on your id. Any teller who deposits checks into an account with just one of your names is risking getting in a lot of trouble!


I would open a joint account at your bank with your new names once you are married and have your id changed.


I swear… WHY do people do this? What if you weren’t changing your name? What if you didn’t want to have a joint account? So dumb. 


ETA: If it says “Mr. OR Mrs. Recon” you’re fine. It’s the “and” that’s the killer. 

Post # 11
427 posts
Helper bee
  • Wedding: September 2012

You have to find out the policy for your bank, not all banks are the same, and not all tellers will be the same.  Some will barely pay attention and others will be strict rule followers.  When I worked in a bank, the policy was that checks made payable to two people needed to go into an account in which both names appear.  Ideally I would probaby wait until after you got married and had a signed marriage license, and make sure you are both present at your bank when depositing the checks so you have all your bases covered.

Post # 12
1099 posts
Bumble bee
  • Wedding: May 2012

We actually took our marriage license with us. We had a joing account and had no problems at all.

Post # 13
3051 posts
Sugar bee
  • Wedding: February 2015

View original reply
@MexiPino:  THANK you! I work at a credit union now and no, I wouldn’t be allowed to deposit a check made out to “and” into an account with only one person on it.

An exception MAY be made if both parties are present, both with valid ID, and probably also a marriage license or proof of name change. Then they might deposit it for you on an EXCEPTION BASIS. They WOULD be doing you a favor by depositing it because it is technically against policy (in a lot of places, not all obviously) and they would be risking getting in trouble if the check bounced, so don’t get upset or mad at the teller or people trying to help you because of a “stupid rule” they don’t make up themselves and have no control over.

Safest, easiest thing to do is to open a joint checking. If you don’t want one, open it with a 3rd bank that neither of you have any ties to, deposit all wedding money into it, then close it. It truly also depends on the amount…a $100 check is more likely to get an exception made than a $1000 check. Some people have ZERO problem when it comes to all of this stuff but I’ve worked in a bank and a credit union and had accounts with 4 other financial institutions and none of them would have allowed me to deposit a check made out to “and” someone else who wasn’t on the account.

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