In years past, people used to be able to endorse a check over to someone else, but banks will no longer accept a "third party" check. This question is in the General Section. Never had a problem. I would try. I need the specifics. You can deposit a check precisely in three ways: either by submitting it in the branch of the bank or by submitting the ATM which supports this facility or even by using your smartphone/ mobile in electronically mode. For check deposit through mobile banking, the third person needs to have your login details. This is what a check basically does. Unless you have some kind of written contract that your uncle has signed agreeing to give you back the money, you are giving him a generous gift. The third person must need your ATM card to continue via this method. The person who pays the check mentions information like, date of issue, the name of the person/organization to be paid, the amount etc followed by his/her own signature. I suspect it will depend on what your teller says but I imagine they will have had to endorse it. Following steps and submitting the signed and filled check in the provided slot, this process can be done. the person isnt on my account? Get your own account. If you are the payee on a check, you can sign it over to someone else with a full endorsement. Or, a check written to someone else and you are going to deposit it into their account? 5 6 7. Is it possible for them to endorse the check to me and then for me to do a mobile deposit? Why would it be different at the ATM than at the counter? Some banks make you fill in a paying in slip. How can I Cash my Cheque without Bank Account? The answer is ‘Yes’, someone else can deposit your checks. | Synonym What do you do when your friends brains have been replaced with swiss cheese by aliens. So, this article proves that for the query, ‘can someone else deposit a check for me’ the answer is ‘yes’. Right. For example, we have gone for a trip but want to submit some money at our issued branch of banks. I would try. Yes, you can, if you are depositing it into their account. [Explained], 39+ Ways To Make $200 A Day Easily in 2020 (A Must-Read …, What is stale dated check? Some banks have ridiculous policies. Tell your bank or credit union what happened and ask for the money to be restored to your account. In our daily life, sometimes we need to complete a transaction but are unable to do it by ourselves. One question that often strikes in our mind is, can someone else deposit a check for me? When is self-discipline easily achievable for you, and where do you struggle? Can you deposit someone else's check into their bank account? I think if you deposit only and don’t take cash back they might let you. What happens if you write a check from a bank account that's been closed? To join, you must be at least 13 years old and agree to the I was able to deposit into our account without his signature. Not the tellers fault. Different banks have their own set of policies, however, there is no legal restriction that to make a deposit, you would have to undergo identification. I just faced this situation and wasn’t able to. Not all banks will accept a third-party check because it comes with a … Can You Deposit a Check That Is Not Written to You? First, I wouldn't advise someone to deposit a check made out to someone else that they didn't know really, really well, like perhaps a parent or son or daughter. Always remember, don’t overwrite or sign on someone’s check, otherwise the bank will refuse it. Why would a guy touch a girl from behind and run off pretending its not him before she could turn around? They must have a physical location somewhere. Submitting in the bank: in this method, the drawer validates the check by signing on the check, fill all the important details and visit the branch of the bank to submit it. Note that the process is the same regardless of whether you’re signing over a personal check, business check, insurance check, or another type. If you can’t submit a check without a signature on the back then you can’t, but obviously you can if they take the check through the ATM. I need the specifics. Agree with the others above. Different banks have their own set of policies, however, there is no legal restriction that to make a deposit, you would have to undergo identification. You have a check payable to you, but you find yourself in a situation where you are unable to deposit the check, and/or you don’t want to cash it yourself. Yes you can deposit your check into your uncle's bank account. I think if you deposit only and don’t take cash back they might let you. You can deposit someone else's check in your account if they sign it over to you. Answer. Please try again. This article includes solutions to this query. Is it Against the Law to Sign Someone Else's Check With Their … Any check you deposit has to be made out to you. Top Answer. the person isnt on my account but the bank teller let them deposit a check for $200 into my account if it helps i bank with national city bank now part of pnc. Can You Cash Someone Else's Check (& Vice Versa)? You could do the deposit for my business, and you aren’t listed on the account, and I don’t sign the checks. Im a customer of Wells Fargo Bank, and I was wondering if my sister could deposit a check in a branch near her into my account? I agree sometimes it’s the bank, not the teller. Now, the main theme of this article, ‘can someone else deposit a check for me?’. So one of my family members received the stimulus check but they don't have a bank account (and can't open one). Probably won’t be allowed to do this as collections from treasury checks has been a pain point for years for banks. For submission of a check, the main drawer must endorse it i.e. Can Someone Else Deposit a Check for Me While I'm Out of Town? It depends upon various factors such as facilities provided by your bank, your current locality as well as norms of the bank. Endorsing a check to someone else gives that person the right to deposit the check into his own account. A check written to someone else? For depositing in ATM, it’s difficult. No one else other than drawer should sign on the check as it is against the norms of banking and strict actions could be taken. The bank might make sure that all details are filled as well as correctly filled and might ask you about your identification. More seriously, when I spent a summer as a bank teller, the rules would not allow someone, for example, a wife to deposit a check made out to someone else… … No you can't. Whatever the situation is. They will need to write “Pay to ” on the back of the check and sign it. The teller told me that he(my father) had to be present and sign the check. It was his idea for me to open an account for him under my name. Or, against that bank’s policy or it isn’t. From what I’ve read, I can do this but can’t get any cash back, only deposit. Some banks have ridiculous policies. While to fulfill some transactions, personal physical presence is mandatory whereas, in some transaction, someone can perform it on behalf of someone. However, if you are joint in the account and there is money sitting in it already you can withdraw money aside from the money you are depositing, so it’s not like the account is frozen, just the money you are depositing will have a hold on it for a few days. The tellers can be ridiculous. Yes. They need to endorse it over to the person they wish to have it and sign underneath. You can deposit a check made out to someone else in your own bank account if the payee endorses the check over to you. (A Must-Read) | LATEST GUIDE 2020, 19+ Free Subscription Boxes That Are Awesome (A Must-Read). It isn’t questioned if you are putting money into someone else’s account; you just can’t get any cash as part of the transaction. Since banks concern with the security and privacy of their customers and account and while submitting a check, the bank doesn’t have to disclose any information to the person who is depositing it, hence, they don’t have any problem accepting it from someone else. ^^That drives me crazy. Asked by Wiki User. You usually can’t get your money back if someone fills in his or her own name and cashes the check. The check was endorsed by who the check was made out to, I also endorsed it and wrote the account number and for deposit only. I misread the question and thought you were talking about cashing it. So, this mode of deposit is difficult as compared to above one. We had trouble talking to the server. You will get to know what is a check. Third Party Check Explained [Deposit, Cash-in, List of Banks], Can I Write a Check to Myself? If the check was processed as an electronic transfer, you have additional protections under federal law. Lawsuits @JLeslie. The teller can stamp it with an absentee endorsement stamp. No fixed time, no fixed place; you can submit it whenever you want. In this world surrounded by banking, banks often impose certain conditions in order to maintain security and avoid falsity. But, sometimes it is the teller if you just go above their heads. 2014-08-21 12:12:54 2014-08-21 12:12:54. You could sign their name, which is illegal, but if you know their signature and their ok with it it’s an option. A check written to someone else? terms and conditions. My name is on the bank account as joint owner. No co-workers. Take t… Thanks everyone! Responses must be helpful and on-topic. In almost every case, they allow the third person to deposit but if they found some erroneous overwriting or tempered check, they might cancel or return the check. It’s not that they want to be ridiculous. I just reread the details. @donnacollins Never use someone else's bank account.The bank will not accept deposits to an account in someone else's name. If you are depositing a check written to them in their account it shouldn’t be any problem. Deposit it into your account? The branch would verify the details might ask some information from the depositing person. Sometimes, the bank may ask the third person to show his/her account number because, in absence of account number, the check might get deposited into someone else account leading to the falsity of transaction. Login into your mobile banking app, filling up the details, click clear pictures of your check (both sides) and submit. Notify me of follow-up comments by email. The check is written to my partner but he’s currently out of town and can’t sign. Answered - … Submitting in nearest ATM: If you have any ATM near you which supports check deposit service then you can submit your check there too. For submission in the bank branch, the third person i.e. There are various ways through which a person can deposit his/her check to the bank. There are various paths for doing so. My business checks have a stamp on the back not a signature. These protections generally do not apply if you signed a blank check. While paper checks are falling out of favor, you can still deposit a personal check into someone else’s personal account. Now what? Jul 26, 2015 Yes, if they endorse their check and you know what account to deposit it into. No friends. Do you mean “Can I have a tax refund check that belongs to someone else deposited in my account?” If you're talking direct deposit, only if their name is included on the account and they specify to the tax authorities the bank and account number. In these cases, we often send our trusty ones like family members, friends, relatives etc on our behalf. @Dutchess_III Either it’s against the law, or it isn’t. The drawee deducts that amount from drawer’s account and sends it to payee’s account. I tried to do so. But this is possible via this electronic mode. Oops. Anyone can make the deposit as long as they have your sort code and account number. A check is a financial banking document which is used to direct a bank to pay a certain amount of money to another person mentioned in the check itself. One of your options is to sign the check over to someone else. Hi all. The drawer of the check (who want to pay) submits the check to the drawee (the bank) to pay the amount to the payee (the person/organization to be paid). They send it back and then the IRS mails a check to the address on your last tax return---which delays your money for several weeks. However, if your bank and the ATM’s bank are different, it might take some more time to get deposited, so, better try for the ATM of your bank. Sure, check fraud is possible. My bank tellers won’t allow it, so I just put them in the ATM and haven’t had any problems. So yes, someone else can deposit your check in Well Fargo, US Bank, Bank of America, Chase, TD Bank, etc. What you can't do is withdraw the money. Depositing a check, unless it's drawn on the same bank, runs the risk of a bounce. You will have to insert your debit card and pin and select deposit check option. Wiki User Answered . Also, maybe he/she might need your credentials and one-time password sent by the bank. As more than 152 million stimulus payments have been made by the IRS, some people are asking if they can cash Instead of just signing your name on the back of the check as you would when chasing the check yourself, you’ll need to include information about the person to whom you’re signing it over. However, all these things depend upon norms of the bank. But, this is very rare and someone else can easily deposit check on your behalf. We used to hand write for deposit only. I bank with Chase, hopefully someone here has had a similar experience. I paid rent on my ex’s apartment by depositing it into the landlord’s account. validate the authenticity of the check by signing on it. The Halifax (who my husband banks with) were happy with me having a cheque payable to him and a scrap of paper with his account details on it! Deposit it into your account? can someone else deposit a check into my account without me endorsing it? RE: Can someone else deposit a check or cash for you into your bank account? That’s true almost all checks though. They have to be. How is check deposit done and finally, can someone else deposit a check for me, then how? So, unless they know you, you can't deposit to someone else's account without their deposit or clear authorization. I once had a tenant who often bounced checks on me, so I cashed them in person. So yes, someone else can deposit your check in Well Fargo, US Bank, Bank of America, Chase, TD Bank, etc. Can someone else deposit my check? the person who is trying to deposit check on behalf of someone, should carry the filled and endorsed check to the branch. Whatever the situation is. Or, a check written to someone else and you are going to deposit it into their account? A cashier's check, which is written and guaranteed by the bank, can be signed over to another person in the same manner as most other checks. ^^Ah, I see what you are saying. 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