Post # 1
I discovered an interesting legal block to cashing wedding checks, and I thought I’d impart that information to you all. Different banks probably have different policies, but at my bank at least, the name(s) that the check is written out to makes a huge difference.
People wrote out checks to us in several different ways, including:
“Jen and Hubby NewName”
“Mr. and Mrs. NewName”
“Jen Maiden or Hubby NewName”
I went alone to my bank to cash all these checks. I found out the hard way that if the check said “and,” then I wasn’t allowed to cash it by myself. We either had to create a joint bank account, or Hubby had to come to the bank and show them his ID and sign the check in their presence.
If the check had “Jen NewName,” then I had to wait until my name had been legally changed at the bank. The steps to do that are: getting a copy of the marriage license, then changing my name at the social security office, then changing it at the DMV, and THEN changing it at the bank. So any checks with “Jen NewName” weren’t cashable until all those steps were completed a few weeks after the wedding.
If the check had “Jen Maiden” there was no problem cashing it.
If the check had “Jen Maiden or Hubby NewName,” there was also no problem because it had the magic word “or.” No joint bank account, name change, or any other paperwork required.
Post # 3
Wow, that is really interesting. Thanks for sharing this important information!
Post # 4
I think this is probably one of the most informative posts. Thanks!
Post # 5
I ran into that problem after our engagement party. To our surprise, we got several gifts and cards with cash…when all we REALLY wanted was to celebrate with our families – BBQ style! Anyways, any check that had both names had to be signed by both parties. Luckily, my bank allowed me to deposit the checks with my fiance’s signature and didnt make him sign it in person and/or show his ID. He signed them at home, and I deposited them into my account.
Post # 6
@jenbrandner: Wow, what a helpful post! Luckily, my bank only required my new ID and marriage license to change my name with them; no SS card was needed.
Post # 7
I really wish people wouldn’t think it was cute to write down the “new name” on a check. We got a few of those and since I still haven’t changed my name we’ve had to go back and ask them to void that check and write a new one. It’s annoying and embarrassing.
Post # 8
Yep…I got to go through that lovely process. Only, my Darling Husband wasn’t/isn’t living with me, so he couldn’t just pop in the bank to open an account. Thankfully, I have power of attorney for him, so I could create an account in his name…but it was still a hassle.
Post # 9
Thank you! This has been one of those questions lurking in the back of my mind.
Post # 10
Get a joint account with either to sign and it is super easy!
No matter how they right your name your hubby’s will always be the same and can be always deposited without him present!
Post # 11
That’s odd – It must really vary from place to place! I had no problem with any of the checks we got for the wedding (with all sorts of different name combinations). Bank took everything at once – no questions asked!
Post # 12
We just deposited them all and they were all made out diffently like yours. They didn’t give us any grief.
Post # 13
this is a good post. I actually hope we get cash rather then checks 🙂
Post # 14
Yes, I got a lot of checks written out to Mr. & Mrs New Name too! I let my husband cash those. As for the ones that were written to “Absolutbettie NewName” I signed both my maiden name/new married name underneath each other and just deposited them as I did any other check. I did this all ATM and had no problem. FYI — I found going to the ATM for deposits easier than going to the teller!
Post # 15
I got a lot of checks addressed to MyFirst HisLast. That’s not my name now. Nor will it ever be. So in addition to being a headache to deposit them (we eventually found out how), we have to remind those presumptuous guests on our thank you notes that I did not change my name.
Post # 16
Wow I didn’t have that much problem with my credit union. On checks written to both of us, we both signed the back of the check and signed the checks with variations of my names. Maybe it’s because I just put it into the ATM? But still no one asked.