That means that if your name is spelled wrong on the check, you should sign it with the same incorrect spelling when you endorse it. However, individual banks have their own policies and may refuse to accept a check without proof of identity. Means a financial instrument purchased against a consideration already paid so misspellings are immaterial in this case . Originally Answered: Can you deposit a check if someone spells your name wrong? Just make sure that when you sign the check, you sign your name as it's written. IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE. The ATM Machine. Then you will be instructed to write your name with the correct spelling below that. Also, if the check is made payable to the decease customer in care of their son/daughter, is there any difference on how you treat that check?
Thanks!
… If the name on the check is missing one or two letters, the easiest thing to do is endorse it on the back, with your name spelled correctly, and deposit in the ATM at your bank. However people who have names that can begin with different letters but are in effect the same name ( a good example being Katherine as opposed to Catherine). The bank may hold the funds from your check for several days as an added precaution because of the misspelled name. Checks Linked to Frozen Bank Account. If the teller refuses the check, you must contact the check writer and request a replacement. If you have been given a check on which your name is misspelled, this isn't a serious problem. How do other banks handle checks made payable to a deceased customer? If the check writer misspelled your name, just find your driver's license or passport to show the banker the correct spelling. You may need to show some form of old identification or documentation of the name changes. Show the teller your photo identification. My first name is misspelled on my bank account. The Uniform Commercial Code contains provisions that allow you to cash or deposit a check with misspellings, a wrong name and other identification errors. Read More: Can I Write a Check From One Account to Another From Different Banks? If the check is for 2000 and you only have 500 in your account the bank will not cash it. Acceptable documentation can vary depending on your bank, but many require a government-issued form of identification. If you are a regular at the bank and the teller knows you, you may not need any identification other than your banking information. We also have separate banking accounts. If the misspelling is harder to read than a mere missing letter or two, go to the teller inside your bank and explain your problem. This should be done neatly with a blue or black pen, and not a pencil. If you have identification that also contains a signature, this is even better. What Does Less Cash Mean in a Deposit Check? The IRS is aiming to deposit most checks digitally, via bank account. In fact, someone could easily erase your writing and try to use the check Write the correction above the mistake neatly. If a check is made payable to two or more parties with the names separated by "or" or "and/or" or by a virgule (slash) or with one name above the other, either party can indorse it. In fact, you can typically resolve the issue by speaking with a bank teller and presenting a legal form of identification. Kevin Johnston writes for Ameriprise Financial, the Rutgers University MBA Program and Evan Carmichael. Use the ATM machine to deposit your checks. This means that individuals can still deposit checks with minor misspellings, nicknames, old last names or new last names on them. Just follow some simple guidelines – in order – and you'll have cash in hand in no time. Last name, not mine to Another From Different banks a pencil on my for! 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