(Closed) Check cashing question…wrong name

posted 5 years ago in Etiquette
Post # 3
Member
460 posts
Helper bee
  • Wedding: October 2013

I’m not sure,  but I’d probably go to the bank with FI, explain the situation and have both of your IDs ready. If that doesn’t work, then I’d try to figure out what next steps to take.

Post # 4
Member
778 posts
Busy bee
  • Wedding: October 2013

I would contact the givers and just explain the mistake.  If I were the person who gave the check, I’d want to know in order to send a check with the correct name as well as to know it may take longer to come out of my account.  I don’t think it’s a big deal etiquette-wise.

Post # 6
Member
9145 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

Cash it into your account.  Most banks will cash it based on the last name no problem. They wait for the check writer to complain about the check being fraudulent.  In all honesty, most banks don’t even read the names or dates on checks anymore; there is no such thing as a post-dated check (only someone willing to hold it until the date on the check; if they decide to deposit it at the bank before the date on the check, the bank will cash it immediately.)  Use the ATM to deposit it into your account and you’ll be fine.

Post # 7
Member
45758 posts
Honey Beekeeper
  • Wedding: November 1999

I have deposited many cheques that had the wrong name. I just endorse it on the back in the incorrect name, then underneath with my correct name.

If you are depositing the cheque to your own account the bank doesn’t have nearly the concerns as if you were trying to get cash.

Post # 9
Member
1 posts
Wannabee
  • Wedding: September 2013

I work at a financial institution, you should have no problem especially if you have a joint account. Even if you don’t share an account, you both need to endorse the check, and that will be sufficient. Same thing with when you get married, if you haven’t changed your name yet, you can still deposit the checks by signing as the giver wrote the check, and then underneath with your legal (maiden) name. Depositing in the ATM or with a teller doesn’t make a bit of difference as all ATM deposits are opened and verified by the tellers.

Post # 11
Hostess
7561 posts
Bumble Beekeeper
  • Wedding: January 2013

Sounds like you’ve got this covered but I agree with the PPs. We had this happen and the bank took the check no problem. 

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