(Closed) how do we deposit the checks??

posted 9 years ago in Married Life
Post # 3
Member
778 posts
Busy bee
  • Wedding: March 2009

Most banks require that both of you sign.  I suggest if you can that both of you go to your bank and ask what their requirements are.  You may have to wait till after the wedding to cash the ones that say Mrs.

My husband and I have Chase and BOA accounts and they required both our signatures when the check was made out to both of us.

Post # 4
Member
229 posts
Helper bee
  • Wedding: May 2018 - Our home and the two acres it sits on

It depends on your state and your bank, but generally one of you can sign the back as long as they write "for deposit only" underneath.  Then the second account-holder doesn’t have to be present, since the assumption is that once the money is in your account, whatever rules govern account access go into effect.  You can do that when people write checks to your children as well, btw.

You can also go in in person, have him sign, and take a copy of your marriage certificate!

Good luck!

Post # 5
Member
2725 posts
Sugar bee
  • Wedding: September 2009

I used to work at a bank and this is how we used to handle it: Both of you go in together. And I would go to the customer service desk first, not the teller line (unless your branch isn’t busy). They will tell you how they prefer you to endorse the checks. But probably they’ll tell you to have him sign the check. Then you’ll sign how your name reads on the check. Then underneath that, you’ll sign how your name reads on your account. Unless of course you can go get your name changed before hand and have the paperwork with you so you can just change your name on your account at the same time. One last suggestion, when you do go in to change your name, give yourself some time. It’ll take up to a half an hour (or longer if you have a lot of accounts). So go in when it’s not too busy (weekday or early Saturday morning) and you and the bank don’t have to feel rushed. Hope this helps!

Post # 6
Member
1045 posts
Bumble bee
  • Wedding: January 2008

Just sign them over to meeee!  🙂

Congratulations on the wedding!  If it were me, I’d just call the bank and find out from the customer service manager.  You don’t want to do the wrong thing, and have them refused.

Post # 7
Member
735 posts
Busy bee
  • Wedding: January 2009

We went to the bank together (wells fargo) and they just asked for both of our ID’s and deposited them all no problem. You may want to bring a marriage certificate with you (even the church version will work) if they have any problems

Post # 9
Member
635 posts
Busy bee
  • Wedding: October 2010

When I legally changed my last name a few years ago, I never got around to changing my last name on my bank account – everything else (SS, Driver’s License, credit cards, payroll at work) was in my new last name.  I had no problem depositing checks written out to my current last name into the account that had my former last name.  I think you’ll probably be fine. (I eventually close the account because BoA and I don’t get along).

Post # 10
Member
2205 posts
Buzzing bee
  • Wedding: June 2009

I would go into the bank with your husband amd marriage license.  Then you’re safe.  Otherwise call the bank and ask what they require.

That’s so exciting, though! 

Post # 11
Member
48 posts
Newbee

It should be fine for just one of you to do it. You can always deposit a check for someone else as long as you write for deposit only, so I can’t see why this would be any different. This got me thinking, though, I am not planning on changing my name. But some of our guests might not know that. What if they write a check to my new name, which doesn’t exist?!

Post # 12
Member
2470 posts
Buzzing bee
  • Wedding: September 2010

It may be a pain in the butt.. but it will be easiest of you go to the bank together (with your marriage license) and sign and deposit them that way. Also be sure while your there that your guy gets his PIN number!

Fiance and I got engagement checks and it had both our names on and we had a joint account, but I couldn’t deposit them without him present. Super annoying but it takes all of 20 minutes.

Post # 14
Member
302 posts
Helper bee
  • Wedding: June 2009

Once I wrote a check out to the Bride and Groom with the wrong last name!  I couldn’t remember if the grooms last name was O’Reilly, O’Brian or O’Shea.    I still feel pretty stupid. 

Post # 15
Member
6009 posts
Bee Keeper
  • Wedding: May 2009

Wow, I feel like our bank must be super lax!  We have a joint account together, and we went in together to deposit all the checks.  But only my husband signed them and they never even asked for my sig, our ids, the marriage certificate, nothing.  We also asked for a print out of all our account information at the same time.

So, if you want to commit identity fraud at a bank that doesn’t check first before allowing you access to someone’s account information, come to our bank!  🙂

Post # 16
Member
80 posts
Worker bee
  • Wedding: March 2009

I had no problems depositing checks into our joint account that said Mr and Mrs NewLastName. I just signed my maiden name and they accepted. There was one check that was made out to just him, so he deposited that one and signed, but everything else I just stuck into the ATM and the money showed up in our account.

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