Depositing a check is simple, with our Bank of America mobile banking app. Start by opening your app, signing into your account and selecting "Deposit Checks." Then, take a picture of the front and back of the endorsed check with your smartphone or tablet.
You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsement area on the back of the check or the deposit may be rejected.
Mobile check deposit lets you deposit checks into your U.S. Bank account using the camera on your mobile device. Here's how it works: Sign your check.
Unfortunately, due to risk factors including the potential for fraud, we can't accept third-party verification that a check has cleared the originating bank account in order to release a deposit hold.
Quick answer: If a check with two names says “and,” on the "pay to the order of line" then everyone has to endorse the check. Otherwise, any party named on the check can deposit it into his or her individual bank account.
Choose an account both you and the other person share, if possible. It's the simplest way to handle the check. Since both names are on the account, the bank accepts the check automatically. Many banks and credit unions also let you deposit joint checks through mobile apps or ATMs this way.
Just like cash, a check can be deposited into another person's account at a branch when you present it to the teller, along with the recipient's name and account number. Unlike cash, the downside is your bank won't always make the funds available immediately.
Usually, when you deposit a check, you first need to sign the back of it. This is called endorsing the check. Underneath the line where you sign the check is a small area for notes. To sign a check over to someone else you should first endorse it, then write “Pay to the order of:” followed by the person's name.
You don't need a deposit slip to make your BOA ATM check deposit. Endorse your check by signing it on the reserve side as usual. Select "Deposit," then "Checks" when the ATM prompts you for which service you need. If you have more than one check to deposit, endorse them all before proceeding.
Having Someone Endorse a Check So You Can Deposit It In Your Account. The exact process whereby someone endorses a check so that you can deposit it into your own account may vary from bank to bank or credit union to credit union. In general, this involves the person writing your name on the back and signing the check.
You can deposit a check for someone else as long as it has the payee's signature and includes the phrase “for deposit only.”
Can you deposit someone else's check in your account? It all depends on your bank's policies. Some banks may not allow you to deposit or cash a check made payable to someone else (a third-party check) while others may have special requirements you'll need to meet.
If you plan to deposit the check into your own bank account, you'll typically need to sign your child's name on the back of the check followed by the word “minor” — and then endorse it with your signature right below the minor's name. You may also need to include additional information like your account number.
If you want to deposit your check via the Cash App, there are some common-sense requirements it has to meet. What is this? Or, in other words, the check should not be forged, altered, or previously deposited by you or someone else and it should be dated, in good shape, and properly signed by the issuer.
If the check is issued to two people, such as John and Jane Doe, the bank or credit union generally can require that the check be signed by both of them before it can be cashed or deposited. If the check is issued to John or Jane Doe, generally either person can cash or deposit the check.
Multiple Payees
If a check is made out to multiple people, look for “and” or “or” in the pay-to line. If the check is made out to “John and Jane Smith,” then John and Jane must both endorse the check. If the check is made out to “John or Jane Smith,” then John OR Jane can endorse the check.
A check in the name of one person, yet cashed or deposited into the account of another, double endorsed checks can be used for various fraudulent schemes that generally don't end well for either the bank or the holder of the original checking account.
If you mess up – like making a spelling mistake – don't worry. Cross out the mistake, then add your initials. Try to make a clear line through the mistake, instead of scribbling it out. Once you've done this, you can endorse the check like normal.
When Should You Endorse a Check? Don't endorse a check with just your signature and no further instructions until you're ready to cash or deposit it. A check that's endorsed this way becomes negotiable, which means it can be cashed or deposited by anyone who presents it to the bank, even if that person isn't the payee.
If you want to deposit a signed-over check without visiting the bank, a mobile check deposit is a good alternative. If the bank allows, you can take a picture of the check and upload it digitally. You can withdraw the money or send cash electronically after that.
If you sign someone else's name on a check, you could be charged with a class "D" felony. A conviction may result in up to 5 years in prison and/or a fine of up to $7,500.