Comments on: Endorsing Checks With Two Names After Marriage http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html personal finance blog with anecdotes, advice and commentary. Sun, 12 Feb 2012 23:30:41 +0000 hourly 1 By: cvargo http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-373685 cvargo Wed, 07 Sep 2011 20:19:19 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-373685 Wow I can't believe all the issues people had. My wife and i got married a little over a year ago. And like most we had alot of Checks with both our names, just mine or just hers. I signed the ones with both and the ones with mine, she signed hers (with her new last name). I took them into our credit union that I have had for years she was at home and they deposited all of them. Even with her name not changed at the bank yet. I wasn't expecting any problems at my credit union and i didn't have any. Makes me wonder if i should be okay with that or not okay with the fact that the 'rules' weren't followed. Wow I can’t believe all the issues people had. My wife and i got married a little over a year ago. And like most we had alot of Checks with both our names, just mine or just hers. I signed the ones with both and the ones with mine, she signed hers (with her new last name). I took them into our credit union that I have had for years she was at home and they deposited all of them. Even with her name not changed at the bank yet. I wasn’t expecting any problems at my credit union and i didn’t have any. Makes me wonder if i should be okay with that or not okay with the fact that the ‘rules’ weren’t followed.

]]> By: George Huebschman http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-373675 George Huebschman Wed, 07 Sep 2011 17:02:22 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-373675 My wife and I have just had a State Government check made out to both of us returned by the bank. We are told that since it is made out to both of us we need to come into the bank in person, even though we both endorsed it. I had long thought that marriage was legally similar to the rules of a legal simple business partnership, where each party had the same legal authority as every other. Even though I am not on her account, I have endorsed it, I don't see what the problem is. My wife and I have just had a State Government check made out to both of us returned by the bank. We are told that since it is made out to both of us we need to come into the bank in person, even though we both endorsed it.

I had long thought that marriage was legally similar to the rules of a legal simple business partnership, where each party had the same legal authority as every other.

Even though I am not on her account, I have endorsed it, I don’t see what the problem is.

]]> By: LKH http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-368531 LKH Thu, 19 May 2011 13:54:02 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-368531 You're obviously not married Dororhy. More than 70 out of 100+ checkes we received as gifts were made out in a variety of ways: Mr & Mrs H, Mrs K and Mr H, or just my name or just his name. You’re obviously not married Dororhy. More than 70 out of 100+ checkes we received as gifts were made out in a variety of ways: Mr & Mrs H, Mrs K and Mr H, or just my name or just his name.

]]> By: LKH http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-368530 LKH Thu, 19 May 2011 13:51:32 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-368530 You can't return a gift dorothy. I just always make out the check to one of the people getting married vs. the couple so they can deposit it right away. And it's silly of people to assume that women will be changing their last name! ....sometimes both do. You can’t return a gift dorothy. I just always make out the check to one of the people getting married vs. the couple so they can deposit it right away. And it’s silly of people to assume that women will be changing their last name! ….sometimes both do.

]]> By: Sophie http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-362077 Sophie Mon, 03 Jan 2011 22:38:19 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-362077 Paul, I sympathize. We're a straight couple and a similar thing happened to us. We got married and they would not accept the checks with "AND" between our names or the ones with my new last name, since we do not have a joint account. good luck to you, and congratulations! Paul, I sympathize. We’re a straight couple and a similar thing happened to us. We got married and they would not accept the checks with “AND” between our names or the ones with my new last name, since we do not have a joint account. good luck to you, and congratulations!

]]> By: Paul http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-357565 Paul Sat, 30 Oct 2010 16:50:30 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-357565 My partner and I just got married (two men). We received several checks made out to both of us - we both endorsed them. I tried to deposit them into my account. The tellers - 2 of them - refused, telling me that they could not be sure that his signature was really his - despite the fact that we additionally wrote his account number on the back of the check so they could verify it. Their solution was for us to open a joint account (more monthly fees?) otherwise we both had to go to the bank so that they could verify our signatures (notary?). This is unheard of - would this happen to a straight couple? It is hard not to wonder out loud! My partner and I just got married (two men). We received several checks made out to both of us – we both endorsed them. I tried to deposit them into my account. The tellers – 2 of them – refused, telling me that they could not be sure that his signature was really his – despite the fact that we additionally wrote his account number on the back of the check so they could verify it. Their solution was for us to open a joint account (more monthly fees?) otherwise we both had to go to the bank so that they could verify our signatures (notary?). This is unheard of – would this happen to a straight couple? It is hard not to wonder out loud!

]]> By: dorothy smith http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-357217 dorothy smith Thu, 28 Oct 2010 01:00:46 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-357217 just have the check done over just have the check done over

]]> By: Anonymous http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-357216 Anonymous Thu, 28 Oct 2010 00:58:02 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-357216 take the check back to the writer and have it done over. dorothyredsmith@aol.com take the check back to the writer and have it done over. dorothyredsmith@aol.com

]]> By: me http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-355166 me Wed, 13 Oct 2010 04:46:19 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-355166 if it's a joint account, only one of the parties that the check is mad out to needs to sign it to deposit it, sorry :( if it’s a joint account, only one of the parties that the check is mad out to needs to sign it to deposit it, sorry :(

]]> By: K. Sue McEwen http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-348860 K. Sue McEwen Sat, 03 Jul 2010 19:43:45 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-348860 I have gone by my middle name socially forever, but by my formal first name professionally and on legal documents. I also kept my maiden name when I got married so I have checks written out to me in a variety of permutations of the possible combinations. My banks have the aliases on file and recognize all if them. If you are listed as Katherine Margaret Jones Smith then both Katie Jones and Maggie Smith can cash checks easily! I have gone by my middle name socially forever, but by my formal first name professionally and on legal documents. I also kept my maiden name when I got married so I have checks written out to me in a variety of permutations of the possible combinations. My banks have the aliases on file and recognize all if them. If you are listed as Katherine Margaret Jones Smith then both Katie Jones and Maggie Smith can cash checks easily!

]]> By: kenny http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-348502 kenny Sun, 27 Jun 2010 17:45:36 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-348502 my daughter and son in law received an irs refund check made out mr and mrs with both first names included and the check had "and" not"or" bank of america allowed him to deposit the check with just his signature and withdraw the funds the following day. my daughter had no knowledge of this transaction and he refuses to give her the money they are separated without a legal separation yet.does she have recourse with the bank since this was a joint bank account and did the check require both signatures my daughter and son in law received an irs refund check made out mr and mrs with both first names included and the check had “and” not”or” bank of america allowed him to deposit the check with just his signature and withdraw the funds the following day. my daughter had no knowledge of this transaction and he refuses to give her the money they are separated without a legal separation yet.does she have recourse with the bank since this was a joint bank account and did the check require both signatures

]]> By: Di Di http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-278382 Di Di Sat, 30 Aug 2008 05:04:16 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-278382 Quickly, Still married same last name but seperated...reuissed check from last job came to me in the mail from big company. Can I present it to my bank if I add his name to my account? What info will they need to add him? Quickly, Still married same last name but seperated…reuissed check from last job came to me in the mail from big company. Can I present it to my bank if I add his name to my account? What info will they need to add him?

]]> By: Linda http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-270595 Linda Mon, 21 Jul 2008 19:33:30 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-270595 I have a problem. My disaster insurance check was made out in my ex-husbands's name and my name with an "and" in the middle. I am having trouble cashing this with the bank of America. They say both parties have to come into the office. My ex refuses to do this. He's being nasty. Long story but I've already tried depositing it into the ATM. It was declined and mailed back. Everybody that I've spoken to cannot believe that This bank that I've dealt with for more than a decade is doing this. I went to the bank on the check but they said that they check should be written out as "or" instead. Can a check be written out as "and/or". Help me I need to make repairs on my house and yard. I have a problem. My disaster insurance check was made out in my ex-husbands’s name and my name with an “and” in the middle. I am having trouble cashing this with the bank of America. They say both parties have to come into the office. My ex refuses to do this. He’s being nasty. Long story but I’ve already tried depositing it into the ATM. It was declined and mailed back. Everybody that I’ve spoken to cannot believe that This bank that I’ve dealt with for more than a decade is doing this. I went to the bank on the check but they said that they check should be written out as “or” instead. Can a check be written out as “and/or”. Help me I need to make repairs on my house and yard.

]]> By: mike http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-235801 mike Mon, 12 May 2008 14:11:00 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-235801 i have a question, my fiance and i are about to get a nice check from my pops for an apartment we found, and he is making it out to me and her with both our names on it. is this gonna be problem when depositing it? i have a question, my fiance and i are about to get a nice check from my pops for an apartment we found, and he is making it out to me and her with both our names on it. is this gonna be problem when depositing it?

]]> By: TrayCee http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html/comment-page-1#comment-226053 TrayCee Mon, 31 Mar 2008 05:10:17 +0000 http://www.bargaineering.com/articles/endorsing-checks-with-two-names-after-marriage.html#comment-226053 Can somebody help me with my situation? My husband has a bank account in his name only and I have for months wrote checks off his account signing his name with his permission of course, however, he has recently had an affair and got caught and he is now telling me he is going to file fraud charges against me for writing checks off his account. I am very worried that I am going to be in serious trouble for this. We live in Colorado and I am not familiar with all the laws here. The thing is I have wrote checks off this account for months yet he is just now going to say that I did this without his permission. The bank has never questioned it but I fear they will back him as it is I'm sure a liability. Please help me with some advice if you have any. Can somebody help me with my situation? My husband has a bank account in his name only and I have for months wrote checks off his account signing his name with his permission of course, however, he has recently had an affair and got caught and he is now telling me he is going to file fraud charges against me for writing checks off his account. I am very worried that I am going to be in serious trouble for this. We live in Colorado and I am not familiar with all the laws here. The thing is I have wrote checks off this account for months yet he is just now going to say that I did this without his permission. The bank has never questioned it but I fear they will back him as it is I’m sure a liability. Please help me with some advice if you have any.

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