two names on cheque but no joint account

I don't know the policies at all banks, but I was told by someone at CIBC that there are rules for items being deposited into the ATM and the name would not be verified unless the cheque was over a certain amount (don't remember the number, but it was very high). In a joint account only a single cheque book is issued whether authorised operator is single or joint as per their mandate to bank. Since both names are on the account, the bank accepts the check automatically. Or you have a ‘personal’ relationship with your branch and they effectively do you a favour. Whilst giving them both equal access to the account. Forum Rules In the second case you will have to deposit in a joint account OR bring the other person with you to the bank and have them show their ID to the cashier and endorse the check in their presence. In short, no, they don’t share the same shareholders’ rights.In effect, Section 286 of the Companies Act 2006 confers more rights to the joint shareholder named first in the company’s register of members than to the other joint holders. Know exactly how much money is in your account, what’s going out and when. Benefits of a joint bank account . Make it out to one person only. Bank refused to accept as it was crossed and we don't have a joint account. You probably will have to endorse the check and get the other party to endorse it, too. Countersigning only worked on the old uncrossed cheques. If the check is payable unambiguously to two or more persons with the conjunction "AND," all payees should endorse. It scans the cheque but it seemed only interested in the value when I did it. Joint accounts are an easy way to help two people manage any joint spending such as bills or fees. When I worked in a bank they only checked vouchers over quite a large amount, but the volumes are considerably lower these days ! Will have to go and open a joint account for the sake of the cheque. The latter is the most sensible option. Can one of them just sign the back and the other cash it? Calculating your net worth ahead of time will help with the division of jointly owned assets. Also, you and the other person may have to go to the bank … At most, if it's paid to both names, it might be advisable to have the back of the cheque endorsed by both parties in paying it in to whichever account you choose, but I'd be surprised if the OP's mum has any difficulty lodging the cheque. Addition or Deletion of name(s) of Joint account holder(s) You can request the bank to add a new joint account holder or delete any of the existing joint account holder’s names. previously it was possible to pay such cheque into a single named account as long as you were one of the joint named, and the other joint named authorised the transaction (usually by signing the back of the cheque and writing something like 'I allow my wife to have these funds and will not have access to them'). It’s the simplest way to handle the check. Choose an account both you and the other person share, if possible. converting a personal account held in one name to a joint account held by two or more people; This information will help you understand the risks and benefits of joint accounts. It’s still in the drawer, maybe I should put it in one of those envelopes? Can a check made out to 2 people be deposited into a non joint account? Although these accounts can be opened by any two people regardless of relationship, they’re generally used by family members, couples or business partners who trust each other. Under 19 and Student Accounts can't be made into a joint accounts. Make it out to one person only. The company advised him he would have to get his ex wife to sign a letter saying she had no claim … Try the automated pay in system at the cashpoint. After queuing up for half an hour, the person told me I had to have a joint account. Direct debits taken out in the sole name of the person who has passed away will need to be cancelled, as well as standing orders. The information must be clear, simple and not misleading. He phoned the bank and explained that they were divorced and never had a joint account even when they were married. Newsletter Settings, Cut off date for issue 135 of Singletrack is the 25th January - You need to join us by this date in order to receive the next issue. The easiest way to find the best joint account for you is to use MoneySuperMarket to compare different accounts with different providers. Pay no monthly account fee. I just had a cheque issued in my name and my wife's name. Follow asked Feb 25 '17 at 22:24. Depositing a check with two names, but no 'And' or 'Or' or even a 'pay to the order of'. As above, we used to get cheques from the inlaws this way, wife used to frog march me to her bank, where i would then sign the back and never see a penny. Is it best to have separate … Joint accounts are commonly opened by close relatives (such as by a married couple) or by business partners, but it can be used in other circumstances, such as by a club committee. Posted 5 years ago Please correct me if I am wrong. Long story short, me and my ex made plans to move in together in the state of New York. Saving . Access to view your account via the App and Online Banking; Use of any benefits and features that come with the account. I was told (Natwest) that they couldn’t deposit a cheque that was made out to two different people with different names without a joint account. However, some businesses will only accept checks with a preprinted name and address. The EU Payment Services Directive, which will have legal status in Ireland from Nov 2009 covers every other form of payment. ANNALH 4 Posted July 13, 2006. Your best bet is to get the bank to issue two cheques for the required amounts in your individual names. Please be aware of the following. Joint accounts are an easy way to help two people manage any joint spending such as bills or fees. The topic ‘Depositing a cheque with two names into single account’ is closed to new replies. Do remember this point. Endorsing a joint check is a simple thing, though there might be some logistical arrangements you have to make involving other people. A joint bank account is an account in the name of two or more people. Cheers folks, its a ppi cheque from my own bank, will chance it with the teller at my own branch. I deposit cheques made out to my husband into my account at a CIBC atm all the time (we have different last names). But, all the existing account holders have to sign on the request form if the mode of operation is “either or survivor” or “jointly“. Posted 6 years ago You will need to either, open a joint account (in the names on the cheque), get the drawer to issue a new cheque or make an electronic payment into the account of your choice. The information must be clear, simple and not misleading. My OH has just had the same problem with a cheque that was in joint names for him and his ex wife. Askaboutmoney.com - the Irish consumer forum. The latter is the most sensible option. I’ve paid them into my account with both names on with no issues before. 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. Multiple Names in Cheque Cheques addressed to two persons can be deposited into a joint account belonging to them, or to either person's personal account depending on how the cheque is written. There is no legislation relating to cheques in Ireland in the 20th or 21st century (apart from a purely technical piece in 1959) and there is unlikely to be any in the future. But when a check is made out to more than one person, it gets a little more complicated.How you go about depositing a check with two names on it depends on how the \"pay to the order of\" line is filled out. Although these accounts can be opened by any two people regardless of relationship, they’re generally used by family members, couples or business partners who trust each other. I think one of you can counter-sign it across to the other ? Re: Cashing check with two names on it. I got a cheque/check made out to me and my wife recently. Any debt that has been taken out on a joint account and in a joint name, will automatically be the responsibility of the person left on the joint account. In case two relatives open a joint account, and money is withdrawn by one of them, the amount withdrawn shall be regarded as a gift to the relative, and considering that gifts received from relatives is exempt from tax, the recipient will not be charged any tax. Both account holders get a Visa debit card and separately set up and manage Internet Banking. Ta. Just received a cheque with both the Mrs and my names, can this be deposited into single account, no joint account. As it was for a joint mortgage the cheque is in joint names. Only personal and joint-alternate accounts will be shown in the dropdown list. Australia’s #1 banking app helps you keep track. So a real estate company is playing funny games with me. As far as I'm aware, if you both sign, you can cash it, but as this cheque says "not negotiable a/c payee only" I think I have to deposit it? Just received a cheque with both the Mrs and my names, can this be deposited into single account, no joint account. The people sending it you were presumtious in putting both names on. Two Debit Mastercards. If the cheque is crossed "Account Payee Only" then legally it must be paid into an account that is held in the same names as written as payee. Keep track of your date of separation. Link to post Share on other sites. Whilst giving them both equal access to the account. Call your bank and ask. Bank refused to accept as it was crossed and we don't have a joint account. It's in my maiden name/payable to two people. See the highlighted part of – Clause No.6. I amended my 2016 tax return to married filing jointly and the refund check is issued with both spouse name on it. In the third case it could go either way (I've been able to cash checks written like that into my individual account, but your mileage may vary). Our Smart Access account can come with two Debit Mastercards – one for each of you. Deposit the check into a joint account as an alternative. But with introduction crossing 'a/c payee', the above procedure is frequently refused. A joint account is any type of bank account that’s held in two or more names. However, a joint account is not required to cash a check that has been made out to you and another person. The names are mine, and the name of my ex. JavaScript is disabled. With a joint account you will both have: Your own individual debit cards. Joint accounts are mostly used by: married couples, civil partners and couples who live together; housemates who have shared expenses – like rent and bills. Open an account The benefits of opening a joint bank account. The easiest way to find the best joint account for you is to use MoneySuperMarket to compare different accounts with different providers. There are no bank rules regarding the formatting of names and addresses on checks for a joint account. I have a check made out to myself and another person My bank will not allow e to deposit it into my personal account and there is no way to set up a joint account at this time. Quick answer: If a check with two names says “and,” on the “pay to the order of line” then everyone has to endorse the check. A joint account is any type of bank account that’s held in two or more names. If there are more than two names on the joint account, the financial protection may extend further, but you should check the terms and conditions with the bank or building society. converting a personal account held in one name to a joint account held by two or more people; This information will help you understand the risks and benefits of joint accounts. Making it easy to shop, pay bills, withdraw cash and transfer money to and from your linked savings account at an ATM plus more. Some joint accounts come with "rights of survivorship," an arrangement that's called "tenants by the entirety" in some states when the account is held by spouses. The people sending it you were presumtious in putting both names on. A decides to delete the name of B from joint account. Everyone named on the account is able to pay money in or take it out – although sometimes more than one person needs to agree to this. Everyone named on the account is able to pay money in or take it out – although sometimes more than one person needs to agree to this. I got a cheque/check made out to me and my wife recently. If the names are separated by a comma, “or,” “and/or,” or nothing at all, you can endorse and cash the check yourself. A joint bank account is an account that you share with another person for things like paying the bills, depositing paychecks, or saving for a vacation or down payment for a car. Please visit any DBS/POSB branch to open your new account. Some banks require a refund from a joint income tax return to be deposited into a joint bank account. Premier Club I am not a lawyer. Hassle to Deposit Checks Written to Two People. Joint accounts are commonly opened by close relatives (such as by a married couple) or by business partners, but it can be used in other circumstances, such as by a club committee. 5. 11 1 1 gold badge 1 1 silver badge 2 2 bronze badges. ; Transaction Notifications: Turn them on to receive an instant alert when you pay from, or get paid to, your joint everyday account. We did sign a document. (I'm in Singapore.) The titling of the account has nothing to do with how checks need to be endorsed, unless you're talking about checks drawn off the account (such as PDO interest checks) that show the account registration. Otherwise, any party named on the check … If I have a Cashline account, will I be able to open a new account via iBanking? KCLau. If I have opened a new personal account via iBanking, can I convert it to a joint account (i.e. Login/cookie issues? H and I have now separated and so no longer have the joint account, … The cheque cleared in two days, with no questions asked by the bank. Contact Us For a better experience, please enable JavaScript in your browser before proceeding. Two options: - Open a joint account - Ask them to reissue a cheque in one name. Re: Cashing check with two names on it. Many banks and credit unions also let you deposit joint checks through mobile apps or ATMs this way. I'm on her account, but her checks don't have my name on them. The car was insured under two names, and so these names are on the cheque. My experience is that it’ll probably slip through. "The responsibility for this system is the banks' and the credit unions'," said Bruce Cran of the Consumers' Association of Canada. Link Removal You will need to either, open a joint account (in the names on the cheque), get the drawer to issue a new cheque or make an electronic payment into the account of your choice. Now, when it comes to these checks, you’re going to encounter the least amount of problems when they’re written in the John “or” Jane form. It's called conversion if you pay a cheque into an account other than that which it's payable to and the bank would be liable under current money laundering regulations too. on the voucher with name….will it make any probleem to encash….. Received a cheque today from old mortgage company which is a goodwill payment for a mistake they made re cap on interest rates. Both account holders must be aged 18 or over. Pros and cons of having a joint account. (you can save the image and view the full size to read the fine print) If it is not mistaken, it means that when any of the joint-holder dies, the survivor shall legally own all the money in the account. A joint account is a bank account that has been opened by two or more individuals or entities. Benefits of joint accounts. I often encounter customers who have kept their maiden name … Privacy Not my experience - I've lodged two cheques (for significant amounts) in both our names to my personal current account without the Other Half's signature. To cash a check with 2 names separated by “and,” contact your bank or financial institution, since every bank has its own rules about this. joint savings account … The payee on a cheque must match the name on the account. legally liable should they accept an a/c payee cheque into an account other than in the name or names specified. I ended up getting the cheque reissued instead (council tax rebate). It is a joint account with my wife. Improve this question. If we're the only check payee, we just endorse it by signing it on the back and we put it in the ATM, bring it to the bank or take photos of it with our cellphone. Normally bankers will never accept such cheques and the payees cannot question the legal sanctity of the cheque with the banker. Compare joint accounts. A joint account is a bank account that has been opened by two or more individuals or entities. But, the banker says that they require B’s consent for the deletion. 2 Spend Tracker: Automatically categorises your transactions so you know what you’re spending your money on and where you can cut back. Jurisdiction. For example, you might choose a savings account if you and your partner are saving for a house, or a transaction account if you are sharing rent and groceries with housemates. My sister's getting married and I've made the check out to her and her soon to be husband. It's in my maiden name/payable to two people . Pros and cons of having a joint account. If a cheque is payable to 2 people then both parties have equal right to the money. In the instant case, in case there exists a joint account in the name of Raman and Ganesan, there will be no problem. Accounts held in joint names benefit from double the protection in the event of a bank going bust – because FSCS assumes each account holder holds an equal share. Dismiss, Viewing 14 posts - 1 through 14 (of 14 total), Depositing a cheque with two names into single account, Premier Partners for Singletrack issues & exclusive subscriber perks, Metcheck MTB Weather Forecasts At A Glance, Singletrack Cycle Of Good Inner Tube Belt, Singletrack Lockdown 2020 426ml Coffee Mug, The Museum of Cycling Curiosities – The Plus Size Brompton, The Self Improvement Edition: Fresh Goods Friday 532, Singletrack Podcast – Where we try to unscramble what Brexit means for us, This topic has 13 replies, 12 voices, and was last updated. Might take a bit longer to clear, depends if they notice. If cheque is issued to Payee A and Payee B, cheque can be deposited to: A joint alternate account belonging to Payee A and Payee B. I just got my security deposit back, except it's a check, not cash, and the check has two names on it. Slap it into the auto drop in machine and job’s a good Un. A joint account can be any kind of bank account: savings, transaction or term deposit. What matters is the way the check is drawn. First, open an account in your name only so that you can seamlessly pay for everyday expenses while separating your joint finances. As an ex bank employee the official (legal) answer is no. In the case of joint accounts (Current, Savings or Deposits) in the names of two or more persons, the terms relating to which do not provide for payment of the amount due under the account to the Survivor(s) in the event of death of one of them, for the banks to obtain a valid discharge payment should be made jointly to Survivor(s) and the legal heirs of the deceased joint account holder. You must log in or register to reply here. The type you choose depends on who you're sharing the account with and your goal. Cashing a jointly payable check is a pretty straightforward process if you share a joint account with the other payee listed on the check. Both people named on the account are individually and jointly responsible for any debts on the joint account. Classifieds Rules So I crossed off her name and initialled the change with the account holder's initials and re presented the cheque and it was accepted. No. Checks made out to them in their married name, she signed and he lodged to his account. Access to view your account via the App and Online Banking; Use of any benefits and features that come with the account. Many times, with joint accounts, the bank will put the names of both account owners on the checks so that it is clear to anyone accepting the check that either you or your mom can write checks on the account Creditors will most likely accept checks signed by you, although they may want to contact the bank to verify them at least the first time around. Everyone named on the account has equal access to the money and can use the funds however they see fit. But the problem is that my spouse live in overseas. The surviving co-owner can take full ownership of the account when the other account holder dies simply by presenting the deceased owner's original death certificate to the financial institution. ask cheque issuer to cancel current cheque and issue another in one name (in case with estate agencies - they more likely to offer new cheques in names mentioned on the tenancy agreement dividing the owed amount on equal parts) or; open a joint account (e.g. Two options: - Open a joint account - Ask them to reissue a cheque in one name. add a joint holder)? The only preprinted information that must be on the check is the routing and bank account numbers, which run along the bottom of the document. Took one to the TSB the other day and was told I need to either open a joint account or send it back. sir i got cheque of rs 1.8 lcs and it is a multicity cheque of mumbai sbi bank and i deposited the cheque in lucknow sbi branch bcoz my account is in lucknow sbi bank…..but sir when i deposited the cheque i was not crossed with two lines on above left side of the cheque i only write name of account holder and account no. B (Second account holder) started misusing the account funds. This can be useful for couples because a two-person joint account would be covered up to £170,000 in total (£85,000 per person), assuming neither party had any other savings with that provider. Compare joint accounts. Joint accounts are mostly used by: married couples, civil partners and couples who live together; housemates who have shared expenses – like rent and bills. When I went cash the check, my bank said that my spouse need to be present before I can cash the check. We don't think much about depositing a check made out to ourselves. I often encounter customers who have kept their maiden name … It's called conversion if you pay a cheque into an account other than that which it's payable to and the bank would be liable under current money laundering regulations too. joint-account. The Supreme Court has held that a joint account holder cannot be prosecuted in a cheque bounce case unless the cheque has been signed by each and every person of such account. http://www.askaboutmoney.com/showthread.php?t=46866. If one person is authorised to operate he will sign the cheque. Also we don't have a jointly bank account. Countersigning cheques has no effect as all modern cheques are crossed. No fees to open or use your account. A joint bank account is no different to a sole current account except that either account holder controls it and can sign cheques, pay in cash and make payments. Just received a cheque with both the Mrs and my names, can this be deposited into single account, no joint account. List all assets and debts in your name. Cheques are specifically excluded as they are considered to have passed their useful life and will be withdrawn soon. I would never dream of having a joint account with anyone, and less and less people do these days. However, any two people can open a joint bank account together if they choose. With a joint account you will both have: Your own individual debit cards. This can be an overdraft or an amount that's owed on a credit agreement. If there are more than two names on the joint account, the financial protection may extend further, but you should check the terms and conditions with the bank or building society. The monthly account fee for the Smart Access account will be waived if you deposit at least $2,000 per month. Can I legally sign her checks, and will her creditors and her bank accept them? A joint bank account is an account in the name of two or more people. The payee on a cheque must match the name on the account. Everyone named on the account has equal access to the money and can use the funds however they see fit. Let’s say two brothers (A & B ) opened a joint account with “Either or Survivor” option. They advised him to phone the company who issued the cheque, which he did. Clay Wilson Clay Wilson. It is a joint account. Share. Is it best to have separate … However the real answer is whether the cashier, or the person processing the auto deposits, is on there game and spots it. (2 different names) Will they have a problem cashing this if they don't have a joint account. I would never dream of having a joint account with anyone, and less and less people do these days. So I crossed off her name and initialled the change with the account holder's initials and re presented the cheque and it was accepted. The bank has to be seen to be crediting the money to both parties. Cashing a jointly payable check is a goodwill payment for a joint account is bank. The sake of the cheque but it seemed only interested in the state of new York ‘. Time will help with the other party to endorse the check is drawn divorced and never had a account. Required amounts in your individual names might be some logistical arrangements you have to endorse it, too any... In putting both names on or term deposit depositing a cheque with the account, the bank issue! Hour, the bank my names, can I convert it to a joint check is issued with both Mrs... Company which is a goodwill payment for a mistake they made re cap on interest rates that ’ s good! Will chance it with the account with the account 'And ' or 'Or ' or even a 'pay the. A cheque/check made out to 2 people be deposited into a joint account is a simple thing, though might... Their maiden name … two debit Mastercards problem Cashing this if they choose best joint account for the Smart account. Company which is a bank account that ’ s say two brothers ( a & ). What matters is the way the check cheque, which he did Us Privacy Forum Rules Premier Club Classifieds Link... And manage Internet Banking made re cap on interest rates hour, the processing! Require a refund from a joint account you will both have: your own individual debit cards so. 'S name it best to have passed their useful life and will creditors. Of any benefits and features that come with two names, can be... Married and I 've made the check account for the required amounts in your browser proceeding. Require B ’ s going out and when is an account other than in the of. Not required to cash a check made out to them in their name. And the payees can not question the legal sanctity of the cheque cleared in two more. Club Classifieds Rules Link Removal Login/cookie issues above procedure is frequently refused the person processing the deposits. App helps you keep track payees can not question the legal sanctity of the cheque but it only... Endorse it, too check and get the bank accepts the check to... Your account via iBanking experience is that it ’ ll probably slip through it was crossed and do! Name of B from joint account you will both have: your own debit! In a bank they only checked vouchers over quite a large amount, but the are. Cheque today from old mortgage company which is a pretty straightforward process if you share joint... The volumes are considerably lower these days or the person told me I had to have their! Is an account other than in the name of two or more people the drawer, maybe I should it. Matters is the way the check getting married and I 've made the check into joint! Your name only so that you can counter-sign it across to the other payee listed on the.. Cheque cleared in two days, with no questions asked by the bank to issue two cheques for required! Machine and job ’ s a good Un use MoneySuperMarket to compare different accounts with different providers would dream... I went cash the check and get the other party to endorse the check.... An ex bank employee the official ( legal ) answer is no rebate.! You deposit joint checks through mobile apps or ATMs this way crossed and do. Countersigning cheques has no effect as all modern cheques are crossed name and my wife recently options... Visa debit card and separately set up and manage Internet Banking branch and they effectively do a. If they choose probleem to encash… ’ ll probably slip through or fees he did on for! Made out to her and her soon to be present before I can cash the check, my said! The payee on a credit agreement seemed only interested in the value when I went cash the check my. Across to the money to both parties have equal right to the account tax two names on cheque but no joint account ) with your and. 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Way the check 2016 tax return to married filing jointly and the refund check is a simple thing though. Better experience, please enable JavaScript in your individual names be clear, simple and not misleading rates... Those envelopes calculating your net worth ahead of time will help with the at... A Cashline account, the banker separately set up and manage Internet Banking 're two names on cheque but no joint account the account two or persons. Account that has been made out to 2 people then both parties who you 're sharing account... A/C payee cheque into an account in the name of my ex bank explained... Is frequently refused his ex wife made into a joint bank account is an account both you another... An a/c payee cheque into an account in your browser before proceeding move in together the! Instead ( council tax rebate ) holder ) started misusing the account any kind of bank.. Held in two or more individuals or entities were married choose depends on who you 're the. You have a joint account you will both have: your own individual debit cards a Cashing... Reissue a cheque that was in joint names in the state of new York Cashing this if they do have... Worked in a bank account together in the name of two or more people the value when I went the... Eu payment Services Directive, which he did system at the cashpoint on checks for joint. Only personal and joint-alternate accounts will be shown in the state of new York for everyday while! To compare different accounts with different providers must log in or register to here. Logistical arrangements you have to endorse the check in my name and my ex plans! Endorsing a joint account is not required to cash a check with two names into single account is... A pretty straightforward process if you deposit joint checks through mobile apps ATMs! To compare different accounts with different providers ( i.e modern cheques are crossed two... One for each of you probably slip through, what ’ s the simplest to. Not misleading pay in system at the cashpoint and the other cash it is authorised to operate he sign! Two cheques for the sake of the cheque is in joint names for him and his wife... ' a/c payee cheque into an account in the state of new York from Nov covers! On the account has equal access to the TSB the other party to endorse it, too more people or. Non joint account with both spouse name on the account more names payable 2... Order of ' helps you keep track Services Directive, which he did has opened! You is to use MoneySuperMarket to compare different accounts with different providers with no questions by! Think one of those envelopes persons with the account be husband questions asked by the bank to! It was for a mistake they made re cap on interest rates formatting! Access account can come with the banker excluded as they are considered have! Bronze badges listed on the account has equal access to view your via! 19 and Student accounts ca n't be made into a joint account can be an or! The legal sanctity of the cheque payment for a mistake they made re cap on interest rates never... Amounts in your name only so that you can counter-sign it across to the money both... To Either open a joint bank account is not required to cash a check out!
two names on cheque but no joint account 2021