How Can I deposit a check into my bank account made to my mother from a company?
Answer:
have your mother sign them and write on the back "pay to the order of" and then your name. take them to the bank, sign the back in the presence of the teller, and deposit them. it's that easy.
If your bank accepts third party checks, have her sign them over to you, then deposit them.
Have her endorse the checks over to you by writing on the back:
Pay to the order of (daughter)
signed, Mom
Get your mother to sign the check over to you.
You mother will have to endorse the back of the checks and sign them over to you (i.e. Jane Doe, signed over to Janet Doe) and then you have to sign it.
You should ask her to do the transaction. They will not give her any grief at the bank but I bet they will hassle you. (Bank of America, for example, does that hassling all the time).
have your mother sign the back of the check and deposit it into your account no problem
Each bank has it's own rules about this kind of thing. Typically, she can sign the checks over to you and then you would sign bellow her name, and then deposit the checks. Your bank may hold them a few days longer than normal before the funds are available for use. I would definately ask their policy before I spent the money.
Your mother should come with you to verify to the teller that she authorizes the checks to be signed over to you. Writing simply "Pay to the order of", and signing it, may not be enough. It depends on your relationship with your bank, which branch you go to, and how well the bank knows you and the other person.
My fiance signed over a check to me, I use Bank of America. I've deposited several third party checks before from my usual branch that I go into to cash my paycheck, etc. Well, I deposited this check at a branch closer to home, thinking well, I've done it several times now, it shouldn't be a problem. Boy was I EVER WRONG! The check was kicked back as "not to payee" and was a circus to clear up the problem.
Your mother must sign the back first. Then you have to sign below and you can deposit it.
have her endorse the back of the check and then you sign it and its all yours..
She signs the check & writes pay 2 the order of U it's that simple
Good Luck
As long as she has signed the checks and did NOT put 'for deposit only' above her signature, you should be able to deposit them into your account with no problems.
She must endorse the check (i.e. sign it on the back), preferably with something like .
Pay to the order of Mary Smith (followed by her signature)
Without the "PTTOO" a signed check is like cash, meaning if you lose it anyone can cash/deposit it.
FYI when you deposit a check it is a good idea to endorse it .
Pay to the order of XYZ Bank
for deposit only
account 1234567890
(and your signature)
Some banks will give you grief about third party checks. Union Bank of California wouldn't accept a check even with the other person standing right next to me showing photo ID. Others are much more lenient, especially if you have a relationship with them.
If this becomes a frequent occurrence, you may want to think about getting a free joint account together.
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