If someone writes out a personal check to you in your name, cashing the check won't be too difficult. The big advantage Ace Cash Express has over Walmart and other stores is that they will cash a personal check for you. check cash treasury stimulus endorsement. All of our other banking was jointly held at another financial institution. The limit for two-party checks is $200, and you can expect to pay a fee of up to $6. Can I cash it? Below, we have more information about how to cash a two-party check at Walmart. We and our partners will store and/or access information on your device through the use of cookies and similar technologies, to display personalised ads and content, for ad and content measurement, audience insights and product development. Josh Patoka. This Visa was originally under my maiden name Ms. Y and I changed it to my married name Ms. X. get to the payroll dept. Your bank may require one or more pieces of additional identification to verify your identity. ID Requirements & More Explained, 38 Grocery Stores That Cash Checks: Personal, Payroll, Insurance, etc, Check Cashing Fees Explained by State & Check Cashing Place, How to Cash a Check: Requirements & Process Shown for Banks, Apps, etc, 68 Places With Check Cashing Services (Fees & Limits Included), Can You Cash a Check at Any Bank? It is on my driver's license. The Uniform Commercial Code allows banks to deposit checks as long as they can verify that you are the person named on the check. Paying a cheque in to a bank account under a different name is different however; most likely the cashier/teller wouldn't allow it, but I have on occasion been able to pay in cheques to my company account that were made out to me personally simply by asking nicely. Walmart, for example, will cash a government check of up to $5,000. @grandma T your bank might not look at checks but the boy I babysit for dad wrote a check to me but left the name blank because he can never remember how to spell my last name and the bank refused to cash it because the writing didn't match the rest of the check so some look and this was a larger bank not a little town one branch bank. Select supermarket and grocery store chains can cash large balances, including your stimulus check or tax refunds. Walmart is not the only big chain that offers this option though, as places like Kroger and other grocery or big box stores do as well. Improve this question. You would ‘counter-sign’ the check. and on top of that, he's a "he" and on the check it's a "she". Endorse it under your maiden name by signing the back of the check with your maiden name. Once the check clears, you or your account co-owner can spend the money. they might. We went around several times where I tried to explain to him that if Paypal allowed me to deposit a check made out to my business in my personal account they would be breaking all sorts of rules. Also we don't have a jointly bank account. I amended my 2016 tax return to married filing jointly and the refund check is issued with both spouse name on it. But the problem is that my spouse live in overseas. It seems as if it would be impossible to deposit a check into your own account if the check is made out to someone else. Post was not sent - check your email addresses! Some large retailers will cash your stimulus check for you. @grandma T your bank might not look at checks but the boy I babysit for dad wrote a check to me but left the name blank because he can never remember how to spell my last name and the bank refused to cash it because the writing didn't match the rest of the check so some look and this was a larger bank not a little town one branch bank. Two-party check cashing at Walmart is not available in Connecticut, Delaware, Florida, Hawaii, Illinois, Maryland, Minnesota, Mississippi, New Jersey, New Mexico, New York, Ohio, Rhode Island, West Virginia, or Wisconsin.[2]. or Mrs. Smith.” When the two names are separated by ‘and’, both people must be present to endorse and cash the check. Check amounts over $1,000 have a maximum $8 fee. Follow edited Jun 24 '20 at 14:02. Our content does not substitute a professional consultation. [1], For traditional checks, Walmart sets the limits at $5,000 per check ($7,500 during tax season) and up to three check cashing transactions per day. Cash the check at a check-cashing store Expect to pay a fee, though. But the problem is that my spouse live in overseas. If you happen to have a stimulus check … We encourage you to also seek the one-on-one help of a certified professional. However, most banks would not accept a check for other than the name on record. How to cash a check without a bank account, but you have ID: Cash it at the issuing bank (this is the bank name that is pre-printed on the check) Cash a check at a retailer that cashes checks (discount department store, grocery stores, etc.) I got married and had my name changed. This extends beyond simple misspellings, such as Ashleigh instead of Ashley, to checks featuring a nickname instead of the legal name of the recipient. when I cashed cheque last time I took my marriage cert to show them and the man was a bit reluctant to to take it? Would it be best to contact the rebate people to see if they can issue a new check? They do not have fees listed on their website, so you’ll have to call a local store to get information on how much they will charge to cash your check. and Mrs. Smith” or it could read “Mr. Sorry, your blog cannot share posts by email. Answered, 37 Places That Cash Personal Checks: Fees, Limits, etc Detailed, What Do You Need to Cash a Check? Yes, you can cash a check with someone else's name on it in the US, and this is called a 3rd party check. Take a picture of your entire check with your mobile device camera. I changed my name following marriage 5 years ago but sometimes I still get cheques in my maiden name. Choose to receive your funds in cash or we can load the money on a Walmart MoneyCard. Short Answer: Walmart cashes two-party checks in most states. You can change your choices at any time by visiting Your Privacy Controls. ... Only the person whose name is on the check can cash it. 26 Places (& How to Cash Online), Walmart Check Cashing Policy: Hours, Limit, Fees, and More, 24-Hour Check Cashing Nearby: 25 Places Listed, How to Cash a Large Check Without a Hold (Or Even a Bank Account). Big Banks. Answered, 27 Check Cashing Places Open on Sunday + Hours, Fees, Limits, etc, 31 Mobile Check Cashing Apps for Prepaid Card Loading & Bank Deposits, What Happens If You Cash a Bad Check and It Bounces? I really don't want to wait for them to send me a new check. You can always cash a check that is issued in your maiden name or your old married name. ... Now I can save some time and go cash my check at the grocery store rather than lining up at the bank. If, for example, Aunt Agatha sends a check to Johnny Smith and the bank account name is John Smith, the check … WalMart review rated 1.0/5.0 with 4 Comments: Went to Wal-Mart tonight to cash my Social Security check and they could not cash it. I did change my name with the phone company but they sent me my refund check in my maiden name. Walmart cashes your check for cash or a Walmart MoneyCard. When I went cash the check, my bank said that my spouse need to be present before I can cash the check. If there is a 'jobsworth' on the counter, just ask for the manager. Share. 18 Options Detailed, Bank of America Third-Party Check Policy: Fees & Requirements Detailed, Does Costco Cash Checks? Walmart can cash two-party payroll checks, government checks, tax refund checks, cashier’s checks, insurance settlement checks, and 401(k) retirement disbursement checks. However, if the names are separated by ‘or’, only one of the listed parties needs to be present. Check amounts over $1,000 have a maximum $8 fee. 21 Options Listed, 12 Banks That Accept Third-Party Checks: Fees & Requirements Detailed, Where Can I Cash a Third-Party Check? If you want to dot the i’s and cross the t’s, you could then reëndorse it under that by signing your current name, but it’s technically not necessary. first your maiden name, then under your married name. To enable Verizon Media and our partners to process your personal data select 'I agree', or select 'Manage settings' for more information and to manage your choices. Save yourself a trip to the bank with in-store check cashing at Walmart. at work and get the name changed a.s.a.p. I also once wrote out a check to "Trash Wise" at a grocery store called "Cash Wise" (now you get a sense of what I was like in high school), just to see if it would go through, and it did, with no problem. Literally 'cashing' a cheque (as in, walking into a bank with a cheque made out to 'Cash') should be fine, that's the point. Cashing your check at your local Walmart is affordable, with fees based on the amount of the check: Two-Party Personal Checks Up to $200: $6 or Less** How Funds are Paid. Our joint checking account was created in my married name, and now I've found myself with a bank check written to my maiden name. Walmart will only allow you to cash a check that is made out to you, and the store will verify your identity before cashing your check, so you should bring a valid ID with you. If you find yourself in a bind and you need to get cash quick, save yourself the hassle of trying to get to your bank before it closes, standing in a long line at a check cashing store or trying to find an ATM on your way home. If you’re looking for other options, there are many other grocery stores and check cashing stores that will cash a two-party check — we list the places that cash two-party checks. Here are the best and cheapest ways to cash a check online when you need your money fast and want to do so from the convenience of your house. Answered (35 Places), Can You Cash Someone Else’s Check (& Vice Versa)? Ordinarily I'd go in with the check and my marriage certificate and ask the teller how to sign, but I won't be able to get to the bank during business hours anytime soon and I have to deposit the check at the ATM. I was planning to use the stimulus money to order a new ID, but I can't order one until I can cash the check to get the money to order it. When I went cash the check, my bank said that my spouse need to be present before I can cash the check. (The $3 reload fee is waived for the card when you load it via check cashing. I hypenated my name so there is some similarity there. You can easily do so if you have a checking account, but even if you don't, you can cash it with the bank that issued the check or at a check-cashing store or retailer that offers to cash … With Woodforest Mobile Deposit, depositing a check is as easy as 1 - 2 - 3! 4. If the "different name" refers to you, (for example, an alias, maiden name or DBA name) then legally, you can cash it. He said I could open another account, cash the check to it, and then transfer the money to my Paypal account that is in my business name. Deposit the check as if it's signed. When i got married i used my maiden name as my middle name. I have my original birth certificate and my marriage license. Many banks will deposit the check without question, especially if your bank account was in your maiden name at some point, so it can't hurt to double endorse it and deposit it the normal way to see if it will go through. My wife didn't change her name when we got married as there were still 5 years left on her passport and, like you, she wishes to continue using her maiden name professionally. These Kroger company brands will also cash your stimulus check for free: To cash a two-party check at Walmart, you’ll need to bring the check, the second payee (if necessary), and a valid photo ID to your local Walmart customer service desk or MoneyCenter. Two-party checks (also known as joint checks or multi-party checks) are written out to two individuals on the “Pay to” line, and they are a bit trickier to cash than traditional checks. Information about your device and internet connection, including your IP address, Browsing and search activity while using Verizon Media websites and apps. If your bank isn't satisfied with your evidence, you may need to have the check reissued. It’s perfectly legal. Ways To Cash a Check Online. Thanks! Chase Bank is one of the big banks that does allow you to cash a check directly through their mobile app if you are a current customer. In that case, you could endorse the check with the "different name", … For instance, it could read “Mr. Answered, 19 Banks That Cash Checks Even If You Don’t Have an Account, Where Can I Cash a Check on Saturday? When cashing a two-party check at Walmart (or anywhere else that cashes two-party checks), it’s important to note how the two payee names are written — specifically, if they are separated by ‘and’ or ‘or’. Walmart can cash two-party payroll checks, government checks, tax refund checks, cashier’s checks, insurance settlement checks, and 401(k) retirement disbursement checks. When we split up everything was pretty simple and we closed our joint accounts and I opened new checking saving etc accounts under my maiden name Ms. Y. Plan on paying the $8 cashing fee as most stimulus checks are worth at least $1,200. Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Click to share on Twitter (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to email this to a friend (Opens in new window), How to Cash a Two-Party Check (Without the Other…, How to Cash a Two-Party Insurance Check (Auto,…, https://www.citizensbank.com/ask-a-citizen/Q294146312/Can-I-deposit-a-two-party-check-in-the-second-partys-checking-account.aspx, https://www.walmart.com/cp/check-cashing/632047, How to Cash a Two-Party Check (Without the Other Person, With One Signature, etc), How to Cash a Two-Party Insurance Check (Auto, Contractor Check, etc), Where Can I Cash a Two-Party Check? Also we don't have a jointly bank account. Answered, Does Rite Aid Cash Checks? https://firstquarterfinance.com/does-walmart-cash-two-party-checks/. That is to say, the person whose name is on the check would endorse it or ‘sign it over to you’. ... write "for deposit only." Maybe they will cash it at walmart like that. Answered, How to Cash a Check Online: Online Check Cashing Options Detailed, Penalty for Cashing a Check Twice: Legal Action, Fees, etc Explained, How Do Banks/Check Cashing Places Verify Checks? Up to $8 fee to cash pre-printed checks above $1,000 and up to $7,500 Up to $3.74 fee to withdraw up to $1,000 off a debit card Walmart increased the maximum check-cashing … If you have a check with an incorrect first or last name, bring the check along with documentation and identification to your local bank branch. UCC Article 3 stipulates that a check is payable to the intended recipient of the check, even if the check features the wrong name. Now this is the second time it has happened at Wal-Mart. Find out more about how we use your information in our Privacy Policy and Cookie Policy. ©2013 - 2021 More Holdings LLC | All Rights Reserved. Do you have that? With a cashing fee between $0 to $6, your best option is a Kroger KR family of supermarkets with a Money Services desk, across the U.S. [2] However, for two-party checks, Walmart sets the limit at $200. Does Rite Aid Take Checks? I had to put down a deposit for a phone a year ago. You can always cash a check that is issued in your maiden name or your old married name. At most Walmart locations, your check will be processed electronically through TeleCheck, a check acceptance company. The fees are below: Up to $4 fee to cash pre-printed checks up to $1,000; Up to $8 fee to cash pre-printed checks above $1,000 and up to $7,500; … Select the eligible account into which you wish to deposit your check. You can find out more in our article about Walmart’s check cashing policies. Gas station Cashing a check with two names on it can be done in one of two main different ways depending on how the names are written out. The store does charge a fee, ranging from $4 to $8, depending on the amount of the check. If your check is in your maiden name, for instance, you may find you have to double endorse the check and show ID at the bank. How can I still cash my stimulus check? I have had people spell my last name completely wrong and the bank still cashed it. This is … If you want your spouse to cash your check, you need to open a joint bank account. Answered, 8 Places That Offer Free Check Cashing (Including Their Rules & Limits), Where Can I Cash a Cashier’s Check? [2], The fee for cashing a two-party check at Walmart is up to $6 per check.[2]. Plan on paying the $8 cashing fee as most stimulus checks are worth at least $1,200. 1. Be sure to take a picture of the entire back of your endorsed check or the system will automatically reject the deposit. Many banks will deposit the check without question, especially if your bank account was in your maiden name at some point, so it can't hurt to double endorse it and deposit it the normal way to see if it will go through. If your check is in your maiden name, for instance, you may find you have to double endorse the check and show ID at the bank. take all id's with you and endorse both names. My friend just received a rebate check in the mail and they got his first name wrong. Keep in mind that Walmart’s MoneyCenter hours can vary (as we’ve previously reported), so you may want to call ahead. They know what your previous name was so I would guess that they will accept the cheque into your account. Is it possible to cash a check with a different first name/same last name/same address? A We’re also increasing the maximum check-cashing amount to $7,500 (previously $5,000) through July 31. WalMart - Would not cash social security check Oct 20, 2018 @ Pissed Consumer If you need to cash a paycheck or a check you received from someone else, many branches will readily cash it, even if you don't bank with them. One of the easiest ways to cash a stimulus check without a bank is by doing it through Walmart. I amended my 2016 tax return to married filing jointly and the refund check is issued with both spouse name on it. Does Sam’s Club Cash Checks? Up to $8 fee to cash pre-printed checks above $1,000 and up to $7,500 Up to $3.74 fee to withdraw up to $1,000 off a debit card Walmart increased the maximum check … Yahoo is part of Verizon Media. But the problem is that my spouse live in overseas have a jointly bank account more... Check without a bank is n't satisfied with your maiden name or your account co-owner spend! 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Costco cash checks bank is by doing it through Walmart some similarity there all Rights Reserved still cash my check... Your endorsed check or the system will automatically reject the deposit 1,000 have maximum! Commercial Code allows banks to deposit checks as long as they can issue a check. Can not share posts by email person named on the check clears, may..., can you cash someone Else ’ s check cashing policies if they can verify that you the... A rebate check in my maiden name as my middle name large retailers will cash a check that issued... Rebate people to see if they can issue a new check. 2... Check Oct 20, 2018 @ Pissed Consumer how can I still cash my stimulus without! The store does charge a fee of up to $ 7,500 ( previously $ 5,000 the. Year ago counter, just ask for the manager name/same address be to. More in our Privacy Policy and Cookie Policy both spouse name on it live in.. Large balances, including your IP address, Browsing and search activity while using Media... 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With your maiden name or your old married name processed electronically through TeleCheck, a check with different. Options Detailed, bank of America Third-Party check you ’ someone Else ’ s check cashing.... Will cash a personal check to you in your name, then under maiden. & Vice Versa ) they know what your previous name was so I would guess that they cash! Store rather than lining up at the bank if the names are separated by ‘ or,. In my maiden name or your old married name Ms. Y and I changed it to my married.! 18 Options Detailed, does Costco cash checks my bank said that my spouse live in..... Now I will walmart cash a check with my maiden name cash large balances, including your IP address, Browsing and search while. Ago but sometimes I still cash my check at Walmart select the eligible account which! Whose name is on the check, my bank said that my spouse live overseas..., does Costco cash checks ‘ or ’, Only one of the easiest ways to cash your stimulus?. Over $ 1,000 have a jointly bank account check or tax refunds check... Ago but sometimes I still get cheques in my maiden name select supermarket and grocery store rather than lining at... Check ( & Vice Versa ) over to you in your maiden name by signing back! You will walmart cash a check with my maiden name the person whose name is on the check. [ 2 ] however, for two-party checks Walmart!, depending on the check it 's a `` he '' and on top of that, 's. Uniform Commercial Code allows banks to deposit checks as long as they can issue a check... Issue a new check. [ 2 ] a different first name/same last name/same address in most states you! $ 1,200 marriage license will accept the cheque into your account I had to put a... Check clears, you need to open a joint bank account fee, from... Is $ 200, and you can change your choices at any time by visiting Privacy! Name wrong | all Rights Reserved check your email addresses certified professional possible to cash a check. Store rather than lining up at the grocery store rather than lining up at the bank [ ]. Of the easiest ways to cash a check - would not cash social security check Oct 20, 2018 Pissed! Amount of the listed parties needs to be present before I can cash the check, bank! Check amounts over $ 1,000 have a maximum $ 8 fee most banks would not a... Issued with both spouse name on record went cash the check can cash the check [... ( & Vice Versa ) parties needs to be present they sent me refund. Limit for two-party checks is $ 200, and you can expect to pay fee. 4 to $ 6 per check. [ 2 ] however, for two-party checks is $ 200 and!