How can I cash someone else's check legally?

Asked by: Whitney Wiza  |  Last update: February 9, 2022
Score: 4.8/5 (53 votes)

You will have to cash it at your bank or credit union. Yes you can cash a check made payable to someone else. The payee on the front of the check must endorse the back of the check. You then indoors right below their name and you can then cash the check legally.

Can you cash a check that's not in your name?

Anyone can cash or deposit a check with a blank endorsement, even if the check is not written to him or her.

How do I cash someone else's check with permission?

Write “Pay to the Order of” and the Third Party's Name Below Your Signature. It's important to write the name of the person that you are signing the check over to in the endorsement area under your signature. This signals to the bank that you are endorsing the transfer of ownership for the check.

Is it illegal to cash another person's check?

Cashing someone else's check is called uttering a forged instrument and also grand theft, bank fraud. It is a felony in all states and carries a prison term. It is a very serious offence.

What happens if I deposit someone else's check?

By depositing a check, you're telling the bank that you trust that the person who gave you the check is good for the money. By signing a check over to someone else, you introduce another party to this already complicated transaction. Some banks might be unwilling to let you do that.

How To Endorse A Check To Someone Else

43 related questions found

How can I cash my check without ID?

How to cash a check without ID:
  1. Deposit it into your account through an ATM at your bank.
  2. Take advantage of ATM check cashing if your bank offers it.
  3. Sign the check over to someone else.

Can I Mobile deposit a check that is not in my name?

You can deposit a check for someone else as long as it has the payee's signature and includes the phrase “for deposit only.”

How can I cash a check that's not in my name?

Just about anyone can deposit a business check into the company's business checking account—you don't need to be the owner or an authorized signatory on the bank account. That's because the person depositing the check doesn't receive any benefit from doing so, which is not the case with cashing the check instead.

How do you cash a two party check without the other person?

You can only cash a two-party check without the other party if the check is signed with the name “Recipient A or Recipient B” on the “Pay-To-The-Order-Of” line. It indicates that you can cash the check without the other party if the payees' names have a “or” between them.

Can I deposit a friends check in my account?

Having Someone Endorse a Check So You Can Deposit It In Your Account. ... In general, this involves the person writing your name on the back and signing the check. Every check has a specified area on it where the payee can write their name or other information.

Where can I cash my husband's check without him there?

Many banks will cash the check if your husband has signed it over to you using a special endorsement. Have your husband write "Pay to the order of [your name]" in the endorsement area on the back of the check and sign his name, and then take it to the bank where you hold a joint account.

Can 1 person cash a check with 2 names on it?

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.

How do you endorse a check made out to two parties?

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.

Does Walmart cash two-party checks?

Our check cashing fees are $4 for any checks up to $1,000. For checks between $1,001 and $5,000, the fee is $8. Two-Party Personal Checks are limited to $200 and have a max fee of $6.

Does Walmart cash LLC checks?

Walmart and Other Retail Stores

Most Walmart stores offer check cashing services. Businesses can present their checks to the Money Center or Service Desk, although check cashing isn't available in every state.

Why can't banks cash business checks?

Most banks prohibit depositing checks made out to a business name into a personal account and restrict cashing because it is impossible for tellers and bank staff to quickly and accurately determine if a business operates as a sole proprietorship.

How can I cash a large check without a bank account?

Here are five options.
  1. Cash your check at the issuing bank. ...
  2. Cash your check at a retailer. ...
  3. Load funds onto a prepaid debit card. ...
  4. Cash your check at a check-cashing outlet. ...
  5. Sign your check over to someone you trust.

Can my son deposit his check in my account?

Can I cash or deposit a check made out to my child? The simple answer is yes, depending on your bank's or credit union's rules. ... Typically, banks will require you to have your own account with them before they'll cash or deposit a minor's check for you.

Can I deposit someone else's check in my account chime?

Yes, you can deposit 3rd party checks into your Chime account. If you're trying to deposit a 3rd parky check or someone else checks into your Chime account, then you will be able to do it under one condition.

Can you cash a check at an ATM?

Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. Just like when visiting your branch though, you may still have to wait around two business days before having access to all the funds depending on the amount of the check.

How can I cash a check online instantly?

How it works
  1. Download the Money Mart app.
  2. Sign-in or create an account.
  3. Tap "Cash a Check"
  4. Take a photo of the front and back of your check.
  5. Review your details and fees, and tap "Submit"

Can I deposit a check on cash App?

Tap on your balance in the top left corner of Cash App. On the following screen, scroll down and tap on the the option to deposit a check. ... Finally, when prompted take a photo of the front and back of the check just as you would with any other mobile check deposit.

How do you endorse a check without endorsement?

Yes, simply sign on the backside of the check As you normally would on a check that contains an (X) in the top left corner with the words ”Endorse Here”.

Can you cross out a signature on a check?

You can leave the first signature where it is if you like, or, if you prefer, you can cross it out and initial it. Either way the check is negotiable.

Can I Mobile deposit a two party check?

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.