Post # 1
We just received a check as a wedding gift…it is made out to Mr. & Mrs. with FI’s first name (Michael) and my last name.
Will I be able to cash that anywhere? Do I have to contact the gift givers (or their relatives, which are related to mom’s husband)? Not sure what to do with this one…
Post # 3
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
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 # 5
Thanks! Will try to go in together first, and if that doesn’t work, then will just contact the senders.
Post # 6
- 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
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 # 8
Alright. Gonna give this a shot!
Post # 9
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 # 10
@Barncat. Thank you for this insider info…I think we’ll go into the bank and handle this once we get back from our honeymoon. Wedding day tomorrow! Ahhhh!
Post # 11
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.