Post # 1
Just received a check from a relative (yay!). Quite exciting, until I saw it was made out: John and Jane Smith instead of John Smith or Jane Jones. Even if I were taking his last name (which I’m not! so this assumption is frustrating) this would be a headache to get cashed because name changes take a while. I can’t cash it now (not that I need the cash but I misplace things like this unless I’m really carefully), have to get a copy of the marriage license and bring it in and we both have to go in. Sigh. His dad did this, wrote out a check to both of us and it was a pain. I want to shout, folks, don’t write AND, write OR!
Post # 3
@kay01: I’ve actually been thinking about this lately and wondering #1 if people would write checks or just give cash and #2 – if they did write checks what name would they write it to without knowing what I am doing and how soon I am doing it?
Post # 4
You can still deposit the cheque . Both of you sign it as Mr and Mrs ____ then you sign your name under the Mrs _____/
Post # 5
We had a few people do this to us. What we did was first open an account in both our names. Then we just deposited the check through an ATM and it was taken no problem. We actually did this multiple times with multiple checks and they all went through. Alternatively we were told we could bring in our marriage license or certificate to prove that we were married.
btw, we have bank of america. maybe their policies are just more relaxed.
Post # 6
@kay01: Will your bank not cash it? I thought I had this problem, but my New Hampshire bank was able to help us out with some proof–I think I had to explain that we were engaged and that my family presumed that we were going to have the same last name–we just had to show FI’s ID.
Post # 7
Post # 8
@Mrs.Darling: I have USAA so I always mail in my checks to them. I don’t know that they would accept it made out to a different last name than mine – why would they? So we have to go with FI’s because at least he’s got the right name on the account for one of us. He has BOA too, but when we dealt with his dad’s check, we had to both go in person and both show ID. We were told that we couldn’t deposit them in an ATM, but maybe we just ought to ignore that and try anyhow (although what they do if it’s rejected, I don’t know).
@aheavel: This is the second check we got. I think the first was made out to just me (my relative, as this one is).
@Meowkers: I’m not sure if we’ll end up with a joint account or not (but if we did, it’d be in my name – not Kay01 Hislastname. We’ve discussed it a lot, but not yet come to a conclusion on that one.
Post # 9
I’m keeping my name and recently got a check written to Fiance and I using solely his last name (they aren’t close and aren’t coming to the wedding so they didn’t know I wasn’t changing my name–although it is presumptuous, and my wedding was over 2 months away when they wrote it…).
I had no problem depositing it to my account (it is not a joint account)
Post # 10
Darling Husband and I had checks written out to Mr. and Mrs. LastName and I cashed it without any issue before I changed my name…I don’t think my bank asked for any ID
Post # 11
Why not use an ATM, or your fiancé? Since his correct name is on it.
Post # 12
My bank didn’t care. I did bring in the marriage certificate just in case. But since both Darling Husband & I were on the account under our respective names, they totally understood and it wasn’t an issue at all. Don’t sweat this one too much!
Oh, and we use PNC in case it matters.
Post # 13
USAA is awesome about these types of things. You can call them and explain what’s going on and they’ll probably just put a note on your account.
I call them for everything and I don’t think they’ve ever said no to me. They will take care of it.
Post # 14
I work at a bank. Sign it the way that the person made the check out, then sign it the correct way.
Post # 15
@aheavel: It was about a 40/60 split for us on cash and cheques, with the larger amounts being all cheques. All but one of our cheques were made out to my husband.
Post # 16
My husband deposited all of our checks, I’m still in the name change process so we didn’t want to wait… But all I had to do was sign the back with my new name, they didn’t even question it… OR, you could always have “mrs. so and so” write the check over to you on the back, sign that name and then write “pay to the order of” ms. old last name” and sign for real. Either way it shouldn’t be a problem.