Direct Deposit To Checking Or Savings? If so, … This is especially nice for the payee, as they will have physical proof that their money is safe and sound in their bank account of choice. However, in some instances your check may be rejected and the funds will be withdrawn from your account. And since I was going to be bringing in their mail every day, they asked if I would feel comfortable depositing a check they were supposed to receive while they were gone. If the Payee is able to endorse the check themself, they can write, “For Deposit Only”, in the endorsement area, along with the account number to which they would like the money to be deposited. Even if the bank should question the signature it seems they would question you. You will just present the deposit slip and the check(s) to the teller, and all will be fine. With Wells Fargo Mobile deposit (“mobile deposit”), you can make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app.. However, if you were to lose the ‘blank-endorsed’ check, or it were to get stolen, then it would put the payee’s money at risk. Its worth dotting the i’s and crossing the t’s on things like this: for example, Chase is nearly nonexistent in Boston, ruling out people there that could help. Which Is Better? At first, it didn’t seem like a big deal at all. Be The Budget may have financial relationships with the merchants and companies mentioned or seen on this site. That said, if you have the option of getting the Payee to endorse the check with their signature, that is the better option. 7 Causes Of Overspending (And How To Conquer Them), 10 Ways To Stop Dipping Into Your Savings Account, 10 Best Ways To Lower Your Car Insurance Costs. This is known as a restrictive endorsement, and, like a deposit slip, this method leaves very little room for error. As long as the check is endorsed with the payee’s signature, or the phrase “for deposit only”, you shouldn’t have any problems. Having personally made quite a few deposits on behalf of other people, I can tell you that it isn’t that big of a deal. It’s a simple process that has been around for decades, but in the age of online banking, it seems quite a few people might have forgotten how to do it the old school way. A check is an order by an account holder to their bank instructing the bank to pay a specified amount to a specified person (or to bearer). Rather, you should use the deposit slip method or a restrictive endorsement method whenever you deposit a check for someone else. 10 Best Ways To Avoid Checking Account Fees. In fact, I have used this method a number of times when depositing a check for somebody else, and I have never run into any issues. Check with the person who is depositing the check if their bank will accept a check that has been signed over. On the other hand, if you want to deposit a check made out to someone else into YOUR account, you need an endorsement. In the computer age, it is entirely possible to deposit the check through an online photo deposit system or an ATM. To successfully endorse a check, follow these steps: Ask the person who the check is from if their bank will allow you to sign a check over to someone else. If the IRS doesn't have your current direct deposit information on file, it will send the payment as a check or EIP debit card in the mail. In the rest of this guide, I want to ease your worries about depositing a check for somebody else by providing you with a few simple options to make sure the whole thing goes smoothly. But yes, it is possible for someone else to deposit checks for you. Can someone else deposit a check for me? For example, maybe you're out of town on payday and need your spouse to pick up your paycheck for you. Probably not. This is especially useful for people without a bank account, as it means a friend or family member can cash in a personal check for you. In fact, I’ve been there. [2]. All you need is your bank account number to deposit a check. We are not responsible for any actions taken by users of this site. So, unless they know you, you can't deposit to someone else's account without their deposit or clear authorization. Second, if I did think it was OK to mobile deposit a check that someone signed over to me, I would insist that the person who deposited the check should actually keep the check.   Checks typically must be drawn on U.S. banks in U.S. currency. Both of these scenarios beg a very important question: can you deposit a check for somebody else? If you come across a check that is written to another family member with a separate account, then they are the designated signer in order for that to comply with their mobile check deposit application. Then in the endorsement slot, write, FDO [account name holder], [account number]. Can Someone Else Deposit a Check for Me While I’m Out of Town? While paper checks are falling out of favor, you can still deposit a personal check into … So, make sure you can deposit your check without going over those limits. There’s just something wonderful about seeing your bank account grow after handing that little piece of paper to a teller at the bank, or snapping a photo of it on your phone. Certain activities like cooking, attending jury duty or checking snail mail tend to be hard when you’re not… there. I just found out I was scammed big time. You can save time with fewer trips to a Wells Fargo … Map Happy » Trip Planning » Money » Can Someone Else Deposit a Check for Me While I’m Out of Town? If the payee is unable to endorse a check with their signature, you can just write, “For Deposit Only” in the endorsement area. Side Note: No matter how you choose to deposit a check for someone else, it is always best to get a receipt from the bank that confirms the money was deposited properly, into the correct account. Yes. There may also be daily, weekly or monthly limits on the total dollar amount you can add to your bank account using mobile check deposit. Now, thankfully, the whole thing went off without a hitch, and I didn’t run into a single issue. DON’T: Sign someone else’s name on the back of a check destined for your account. Essentially, if you are the payee (recipient) on a check, you make an endorsement to sign it over to someone else – now making that money belong to the new payee. For that reason alone, I don’t recommend this method if you can possibly avoid it. For more information see our disclosure page. Under certain circumstances, however, it is possible. Your email address will not be published. (Looking back, they were pretty trusting people!). One of your options is to sign the check over to someone else. Here's the suitcase tha. 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