(Closed) How to cash the checks when I haven’t changed my name?

posted 8 years ago in Money
Post # 3
Member
170 posts
Blushing bee
  • Wedding: August 2010

I didn’t have any problem with this. We both signed all the checks addressed to HisFirst and MyFirst HisLast and I deposited them into a savings account in just my (unchanged) last name. I had zero trouble and there were sizeable checks in there.

What bank are you?

Post # 4
Member
1537 posts
Bumble bee
  • Wedding: April 2011

I know here in Canada through CIBC, TD, and RBC you can sign a cheque over to someone. You both sign the back of the cheque and cash it through the ATM this way. Before we had a joint account my Fiance and I did this all the time. We never had a cheque declined this way. If you’re unsure though and don’t want to mess with the larger ones I’d call the bank and ask what your options are. I’m sure they get this all the time with new married couples.

Post # 5
Member
1927 posts
Buzzing bee

Yeah I also deposited my checks before I legally changed my name and they didn’t give us any problems at all.  If you are going to share money eventually I would  go ahead and open a joint checking account at another bank.

Post # 6
Member
4137 posts
Honey bee
  • Wedding: May 2011

some banks are more lenient than others, so i would just try to cash them first. they might ask you to bring in a marriage license to show your new name or just have your husband co-sign them.

Post # 8
Member
2090 posts
Buzzing bee
  • Wedding: August 2010

We had no issue with this – I have Bank of America. We both went into the branch together, explained the situation, then both signed the back of the checks (I signed with my name, not “my-first his-last” as the checks were made out). We deposited them all into my savings account, which my husband’s name is not on. The only ID we had to show was our driver’s license.

Post # 9
Member
7975 posts
Bumble Beekeeper

I found that ATMs wouldn’t take checks that didn’t match the name on the account (BofA with their new “smart” ATMs that are supposed to read the check but are wrong 2/3 of the time), but when I went inside, I was able to sweet talk the people working at the counter into taking almost anything, haha.

Seriously, after I’d changed my name legally + on the bank account, I got a check with my maiden name, and they were like, “Oh no, you’ll have to have it re-issued, or bring your marriage certificate in.” and I managed to talk them into letting me deposit it anyway, right then and there. Bank tellers are usually super helpful, in my experience. 🙂

Post # 11
Member
170 posts
Blushing bee
  • Wedding: August 2010

@Talishazwi: No, no trouble and I signed my non-changed name to the checks made out to both of us with his last name. He co-signed all checks to both of us. Chase is my bank and I used the ATM to deposit all the checks into my savings account (which is in my name, not DH’s) so I did not have to show ID, bring marriage license, etc. I also did 30 checks at once through the ATM. I love the ATM check deposit with no deposit slip thing!

I think it is odd you are having trouble – they must see this kind of stuff all the time.

Post # 12
Member
4480 posts
Honey bee
  • Wedding: March 2010 - Calamigos Ranch

I’ve never heard of anyone having problems like this if you just endorse the check and deposit it. Have you tried depositing it through an ATM? Otherwise I can’t imagine that they wouldn’t deposit it if you bring in your actual ID and your marriage license?

Post # 13
Member
10287 posts
Sugar Beekeeper
  • Wedding: October 2011

I worked for a bank for years. I would suggest opening a joint account and just depositing the checks. You can open the account with your maiden name and then update it after it’s legally changed. If you deposit the checks when you open the account and explain to the platform representative that you just got married, they shouldn’t give you any problems. I used to open all of the accounts at my old branch and I never turned the checks away if the brides name wasn’t changed yet. It’s against bank policy to cash the checks but depositing is a completely different story.

You could technically sign the checks over to your Darling Husband but you would have to do that in the presence of the bank teller or else they could turn them away. If you get someone who’s having a particularly crappy day, they could refuse to cash them all together.

*This is how things were done at the bank I used to work for. It could be different elsewhere.

Post # 14
Member
2788 posts
Sugar bee
  • Wedding: January 2011

We endorsed the checks with the name it was written out to, didn’t have any problems and didn’t have to show identification. We did deposit them into a joint account though.  Maybe, it would be a good idea to open a joint account?

ETA – we didn’t cash the checks though, we deposited them into the account.

Post # 16
Member
2090 posts
Buzzing bee
  • Wedding: August 2010

@Talishazwi: Hummm, that is weird. Maybe you caught a bad teller having a bad day?

Seriously though, we went twice with checks in all sorts of amounts and in all sorts of combinations of names (my first his last, Mr. and Mrs. His Last, my first name misspelled and various last names, etc.), and didn’t have an issue either time. My husband just showed them his driver’s license to prove he was the other named on the check, then signed them, then I signed them – teller took them and deposited them. We didn’t need to bring our marriage license, and there was no hassle. Maybe my brand is really lenient?

If they give you trouble, I would ask for a manager.

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