If the payer listed the names without any word between them, then it gets a little more complicated. Generally, banks let either person cash the check, but the rules can vary from place to place.
Before trying to cash the check, you may want to clear the air with the other person listed on it. They may feel entitled to a portion of the money.
Bring a government-issued ID along, such as a driver’s license or passport. Make sure it includes your portrait and signature. Expect the teller to ask for it to verify that you are the person listed on the check. When you get a confusing check, such as one where the names are separated by a comma, cash it in person. Let a teller verify it so you don’t end up with unexpected fees from an ATM.
To use a mobile app, you need to have an account with the bank. Make sure the account name matches the one on the check. The app deposits the check into the account.
Be careful about trying to cash checks the wrong way. If it is specifically made out to both people, expect banks to be vigilant about fraud. They won’t approve the check.
If your name is misspelled, sign your name with the misspelling first, then sign it a second time the correct way.
If both people aren’t able to be in the bank at the same time, then you can’t cash the check. Usually, the best solution is to ask the payer to rewrite the check.
You can’t bring in the other person’s ID. They have to be there with you to present their ID to the teller. Some banks may even ask you to endorse the check in person. This is uncommon, but it happens sometimes with confusing or valuable checks.
Keep in mind that you have to have a joint account. It doesn’t matter what bank you choose, but pick an accessible one and take the check there. Remember any special rules your bank has. For example, large banks have regulations stating that you have to have a joint account in order to cash a tax refund. Keep in mind that anyone with access to the account can withdraw the money. You won’t be able to cash it at the bank. It has to be deposited.
You can reach out to the bank that drafted the check or the bank you have an account at.
Getting the check redone can be a hassle, especially if you’re dealing with something like a tax refund from the government. However, it’s the only way to ensure the bank accepts the check. For example, if the other person listed is in jail, incapacitated, or you no longer have contact with them, then you’re better off asking for a new check.
For example, if the other person is elderly or in jail, then having a power of attorney can give you the right to cash a check with their name on it. The power of attorney form needs to be signed and notarized by another adult. Contact a lawyer to help take care of this part.
