"Amber Kel 3 years ago - Of course it only applies to paper checks. With The Clearest Explanation, How To Fix A Hole In Clothes Without Sewing? It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. You are responsible for all deposits completed through TD Mobile Deposit on your Mobile Device. Can I deposit a check into my account if it is not signed on the right hand side? Unfortunately, this will prove to be a laborious chore, especially when it comes to getting government-agency checks reissued. The issuer even countersign the check over the "/" portion.
I got a check from a settlement and Thor is 4 other names on check from hospital and chiropractor and doctors office its my name then thirs made out with and not or no one will cash it and thoues on check can't be with me to cash it What do I do
,The bank shouldn't be liable. I said I did not understand why cause last time I'm the only one that signed. Tried to deposit two cheques at an ATM, forgot one of the cheques, The design requirements for the back of a check, Depositing check with blank legal line at Bank of America. 2. I think it would pose a major hassle for BB&T customers who come across checks with multiple payees. Stack Exchange network consists of 181 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers. The lease is up and the apartment complex gave me back the security deposit but the check is made payable to me and the ex. As agreed and had since jointly filing.
,having the same issuse so the auto body endorsed it and u signed it and just deposisted it?
,I was issued a 2 party check from my insurance company. Heres What You Should Know About It, How To Display Shrimp For A Party? Thus, signatures probably don't matter much unless you use the teller and you want cash instead of a deposit. For now I'm keeping custody!
,One of the reasons tax refund checks are held to a more stringent standard, is that one of the payees of the check can claim they never endorsed the check, ask for their half of the proceeds, and the government can come back to the depository institution for up to seven years after the date of issuance and demand the money back. Is that what they're really doing? How To Allow 3rd Party Cookies On Safari? I have never been requested to do so when dealing with a teller, and have never had an issue depositing a cheque via an ATM. This may delay clearing the funds for your use until the matter is taken care of. The check was actually drawn from a bofa account. This is done throughout the construction industry.
,What if one of the payee is my mortgage company from a Home Insurance check? MyBankTracker has partnered with CardRatings for our coverage of credit card products. If you dont have a bank account, check with your credit card company to see if you can use a debit card to make a deposit. For instance, if the bank accepts the check, the bank can require the payee to be present to verify the signature. You can just deposit these checks as if they were written only to you. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).
,Yes, that is the best way to do it. Do both need to sign since it doesn't say or or &?
,I work for an insurance company and I have seen many times banks missing that the check was made out to two parties. We're not married anymore and she's overseas now. Its a holdover from an ancient banking practice (ten years ago?). They say it's because of the amount. she is in lockdown due to covid. He didn't sign my name but did e-deposit it and the bank took it.Do I go to the police and file a report? (new movie title)? First, find the endorsement area on the back of the check. Vote for anyone who is anti-regulation.
,My bank had a clever idea..Open up a mutual account..Can you sense the sarcasm here? Will my new bank still deposit this check or will they be weary and not do it? I was told to take it to another bank. I haven't ruled out going after the bank since they are in violation of their own protocol. This is the line you want to sign to endorse the check. If its an international transfer, the checks may take up to three business days to clear. I am so embarrassed by the whole ordeal and feel like they have wrongfully treated me with the run around and inconsistencies that are being said to me from different people in their department or different departments.
,Ok i just received a tax income for 2016 for state with my ex husbands name on it with mine. Be careful: I strongly advise against attempting to deposit a check without having a teller verify the signatures of all payees. The lady I had spoke too said did I know the ppl on the checks, DUH, and that she would need everyone of their phone numbers which I didnt feel comfortable doing until I asked them, then she said the checks would have to be sent back, umm they were mobile checks. Whether you have a personal or business deposit account, this document is the basic agreement between you and us (JPMorgan Chase Bank, N.A. What type of check did you think the article was talking about?
,Does anyone wonder why this has to be so hard? We also dont have a joint account obviously. And should the Bank be responsible for return of money?
,If "and" or "or" is not printed on the payable line of the checks, according to the rules, any one of you should be able to deposit into your account as long as everyone endorses the check. Is there a regulation that requires the check be deposited in the Corporate account or the Individual joint account ?
,You missed an important example of joint checks: construction subcontractors. Will she be entitled to get half that money back from the bank? So I'm open for suggestions - from anyone out there reading this.
,I just found out that my ex got a check for over 12,000 for a claim he filed on a burglary of our house. The house was in both names. The solution is called a "signature guarantee," sometimes called a "medallion guarantee." I doubt I can get anyone from my mortgage company to show up at my local bank's branch..
Thanks,
Jon
I have that problem I have a stimulus check under my name and my wife and my wife is out of country I can not cash the check
,A check issued as : Mr. X / Mr. Y.. can either Mr. X or. Today, you can email a photo of the check to the clearing house andthe check will clear in a few hours. Checks are never handled by people except at the teller's desk. The content that we create is free and independently-sourced, devoid of any paid-for promotion. In general, you'd put the current . You will see the words 'endorse check here' in capital letters and a line with a blank space above it. Can I deposit someone elses endorsed check into my bank account? Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. Make sure to take advantage of the document upload feature to submit your claim documents and review their status. View our list of partners. What if you and your ex spouse both receive a check and your ex spouse presents it for deposit in an account only that person has control over? It only takes a minute to sign up. In college I worked as a BOA teller and I'm now an Attorney with some knowledge of commercial papers and presentment warranties.
What put me in a difficult position was that the teller could not clearly explain why it was their policy. What recourse does second party have. In any event, there are payees listed somewhere so that the bank knows the check is going in the right account (the one belonging to the payee or payees). We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. The bank accepted it with no verification from any of the payees. chase bank check endorsement policy. We were both there!! Your new bank should accept it just fine. Bank Endorst Definition. ). I used money to pay bills, then I got a call from the body shop that said insurance sent me a 2 party check by accident, this wss the check I didn't notice it had another player and the bank let it go thru. They lead me on saying the other bank (the thief's bank) was working on their paperwork or hadn't responded every time I went into a Chase branch to ask about it. Chase bank will not accept checks written out to other people into your account. Commercial Banking provides businesses with annual revenues ranging from $20 million to more than $2 billion with a range of domestic and international solutions including investment banking and asset management - designed to help you achieve your business goals. The procedure for getting your mortgage lender to release insurance proceeds varies depending on the lender. Its a different case when a check is written to multiple payees because many people encounter problems when they try to deposit these checks. Only applies to paper checks. We got all endorsements, verified my wifes signature with her being present. Wells Fargo refused to deposit the check into his long-standing account with my signature, and then only did it reluctantly when I came in person to present my ID. I looked at the card/signature and said "now we have a problem" then proceeded to show her the check, in which my signature was forged. Fast forward today my wife and I decided to take out most of what we made on are investment account and leave the rest in. Step 1: Speak with your lender. Im trying to figure out what could be wrong with my deposit. In the event that the check goes through successfully, the second party can take legal action to retrieve the portion of the funds that belong to them.
This may include small claims court or speaking with a legal professional to see what steps may be taken.
,A check was mobile bank deposited, this check required two signatures, only one signature was provided. Would the bank ask her to have me present with ID. No one appears to take this seriously, oh BTW the check was nearly $9,000.00. For clarification see Restrictive Indorsement in the Uniform Commercial Code (UCC) 3-206 Subsection C. I'm not sure if this necessity to endorse a cheque only applies in the U.S. I am looking into the commonwealth's attorney at this time. So good for the person who receives the check. The check payee line was her name and my name and are both different. According to BB&T, the branch can make its own decision. And if you have a check scanner the limits assets for 250,000 daily and 500,000 in a . This site may be compensated through the bank advertiser Affiliate Program. Tia
,I had min and my wife's income check come in I signed her name like I always have because she works late and can't usually get buy the bank before they close well the bank cashed the check I gave her ,her half and we have been split for a couple of months now but now she comes back saying if I don't give her another 2000 cash she's going to say I forged her signature what should I do? Unfortunately, my car was broken into and I had to file a claim for the items stolen. My ex and I were married during a tax year where my earnings were mistaknely double reported by my employer (this was during a corporate take over). What if I deposit a check into a Bank of America ATM but forget to endorse it with my signature on the back of the check? Him? (Explanation Revealed! It's possible that the act of depositing in an ATM is equivalent to signing, since the ATM requires authentication. chase no problem. Who would get into trouble? Of the big banks, BB&T has the most demanding policy where payees must also be joint account holders. It has my wife's name + (literally ) my name written on the check. They refused to cash the check. This involves the person writing your name on the back and mailing it to you. Other times would be just personal checks to two payees, but I would think that those situations are much more easily addressed with a rewritten check.
,Great article. No. Any guidance would be appreciated!
,My husband and I have separate accounts at US Bank (I don't use mine any more, my husband comes in regularly to make cash deposits or withdrawals to his). Endorsement cancelledis not the same as a stop payment. If you believe you have received this message in error, please contact your client service representative. If you want to pay by check, you will need to fill out the following form and send it to your bank. How can I deposit it with one signature? Do we both need to endorse the check or can just one of us do it? Your new bank should accept it just fine. a sizeable sum expires in a couple days. I've had the hardest time trying to cash it since my sister isn't talking to me and my fiance since she thinks we owe her money from the check when she never paid us back for handling her part of the rent and utility bills (she's a very selfish girl). The check needs to be deposited as if its signed. To endorse a check, you simply turn it over and sign your name on the back. ). This leads me to the next point of discussion: what to do when you have difficulty with checks that have multiple payees. The teller did warn me that she should have been the bottom signature on the endorsement . that sounded to stupid.. she said the bank could kick the check back for 3 years.
,my ex husband received multiple check with his name and mine but it said and or he had the corresponding address changed to his received all 4 checks cashed them and kept the money. My wife does all of that. any method to tracking would be good. (Explanation Inside! She deposited the check in her single names account st BB&T. According to your article, she can. We each have longstanding accounts, we each have signature cards on file, money was going into one of two accounts
3. This was for a jointly owned motorcycle that somehow was "totaled" and I suspect that my name was also forged on the title.
Any suggestions on how I can handle this since BB&T and the insurance company seem to want to wipe their hands of it and I can't seem to get any cooperation from the police? Keep us posted on how that works out.
,I tried depositing a 2-party check with the other party's signature (law firm) and mine as well and Wells Fargo rejected it. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Next day I had problems logging into my account online come to find out they froze my account. For these scenarios, the payees are represented by John and Jane. They will unfreeze my account once it's bn cleared according to them. My brother that forged the check was charged and convicted of the forgery
,How can Jeff watch his mouth? The amount of the claim check may also influence the system. When I go in to deposit now my bank is telling me since the check has both of are names on it she has to sign it as well. However the identification card and he has is expired and due to covid it was hard for us to get back into the MVA to get a new license or identification card for her. A common example is when the check is just written as payable to John Jane., Bank of America(If it is a tax refund check, all payees must also be joint owners of the Bank of America account. Be careful because in some states they'll pick up any reports especially when it concerns a Husband and Wife. Any advice? The adjuster and myself have signed the check but we are having a hard time getting the mortgage company to sign and return the check to me, over the phone they tell me to just deposit the check and that they signature is not required.. Would my bank accept the check if I deposit it? The wheels wont spin properly because they are too tight. The first $225 of a personal check deposit is required by law by the next business day. Me and my son's part was in the amount of 4,000$. We went to another branch, and they deposited it, but called us two hours later and said they couldn't accept the deposit and that I needed to come pick up the check. So they are *not* following the policy that you outline above. I haven't had a problem with not signing and depositing large checks in an ATM (Citi). If it's later than the current date, then it's a postdated check. I have filed a police report with my local police department nearly a year to date, and still have not received any investigation. Simon Zhenis the chief research analyst for MyBankTracker and an expert on consumer banking products, bank innovations,and financial technology. The first thing I did was ask them if I had a signature card on file. Thanks ahead of time.
,What do I do about a 3rd party signing the check to be deposited or cashed and not needing them
,stimulus check to my wife and I. we do not ave a joint account. Another option you could look into would be small claims court.
,Under the ambiguity rule, she could have deposited the check into her personal account.
Your case is a legal matter where you should speak with a lawyer to claim part of the funds that were paid to your ex-wife.
,Under the ambiguity rule, you should be able to deposit the check under your own account.
,At this point, the best course of action may be to seek legal advice on how you can reclaim the portion of the funds that belonged to you.
,Have you tried having the contractor go with you to your bank branch to deposit the check through a teller? I received an email from the person I spoke with several about a week later and was informed that they could not discuss this matter with me and I would have to contact the issuer of the check (insurance company, who also claims they can't do anything about this matter, even though their website pursues fraud). You do not have to endorse a check at the bank you have an account with. Dont try to get tricky and deposit these checks via the ATM because it will get flagged and you could get hit with a returned deposit item fee (which costs an average of $12.85 at the top 10 banks. I recently did this and didnt touch the money but they said my acct was a risk and my checks were no good anymore but still my bank acct says 1800 and says i cant touch it. They should arm the tellers with a policy statement that does a better job explaining besides say "just because. Your deposits are arranged by date. Postdated checks are normal checks, but the person writing the check chooses to write a later date on it. However my husband unfortunately does not own a driver's license due to having a revoked license so he's always use an identification card. I hope to make some headway since multiple crimes have been committed.
,Thanks for sharing your experience with Santander Bank. It is important to write the name of the person you are signing the check for in the endorsement area under your signature. I am in discussion with my loan company to see how we can change the process moving forward, but they have not demonstrated a willingness to change their protocols in the past.
,I received a check from a class action lawsuit and it's made out to me AND my ex husband..we split in 2009 & haven't had any contact since then, how can I cash it? However, before our divorce (and settlement agreement was in place) he deposited/cashed a two party check (made out to he and myself) from an insurance company, which I was not present when he did this and he endorsed my name (forgery) in order to cash. Two-party checks are made out to "Party A and Party B" or "Party A or Party B." Note that there is a major difference between the two. MyBankTracker and CardRatings may receive a commission from card issuers. of payout account, she refuses to sign with me. The sum was small
4. Opinions, reviews, analyses & recommendations are the authors alone, and have not been reviewed, endorsed or approved by any of these entities. If you dont have one, check with your financial institution to see if they allow you to do this. I never sighn or see anything
No just go to the teller named Mike Hunt.
,She can but the bank will point her to who received the money, YOU. There was an overpayment of escrow of almost $2000. Why Are Political Parties Essential To Democratic Government? The reasoning behind endorsing a check is to restrict what other people can do with the check. Even beyond that, TD waives fees, regardless of . Enroll now Deposit checks from your desktop Make deposits from your office, and avoid the trip to your branch. She looked up my account and sure enough I did. But there is just no way around it. It was endorsed by everyone but the aggravating teller told me everyone had to be present with their IDs. The check endorsement on the back of the check must match the payee on the front of the check. Keep us tuned in if you can -- any resolution to your situation could help others in the same predicament.
,The problem with attorney's is most will DEFEND the "crook", I need a Prosecuting attorney. In Canada, I have never endorsed a cheque I deposited. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. "Endorsement cancelled"is not the same as a stop payment. So I went and got her and got her signature and deposited the check. It is certainly possible the BofA will come back to you to say that the check couldn't be processed.
,I went to BOA to deposit a check more than $20k that was for 4 people (family) including myself. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. ), TD Bank(If it is a tax refund check, all payees must also be joint owners of the TD Bank account. Finally Understand! Obviously we can't go to a bank together because he no longer lives in the state and the payer of the check won't issue one in just my name and they aren't willing to change the check to have the word "and" to "or". also remaining balance.
A police report has been made. Based on your research, what are the other scenarios where a check is made out to multiple payees aside from insurance and taxes ? If you have someone who knows your account number, they will be able to deposit the check for you. Source (s): https://shrinks.im/a9YRA. Definitely confirm with a teller before depositing.
Santander just refused to have my wife deposit joint payee check despite:
1. I decided to take it back and just hold it until I open my new bank account with my local bank. I wpuld hate to lose money. ), BB&T (All payees must also be joint account holders. The banks in the U.S., when I worked for one, had a stamp that says "Deposit Only To the Within Named Payee" for deposits only if the name on the front of the check matches to the name on the account it's going to.it's logical considering it's being deposited to the person the check is made out to. she endorsed the check and at the window I signed the check and we deposited it into her account. Both payees cannot be present at the same branch together, so the bank cannot verify their signatures. I'd wait a week or two, however, to make sure that the check actually cleared before touching that money. Endorse/sign the check on the back of the check. My sister ended up getting pregnant and couldn't afford to pay her part of the rent so we paid it for her as a loan. The last two times we've had tax refund checks, I had my husband endorse, then I went to US Bank and deposited it into his account and did my endorsement in front of the teller. Mr. Y can encash the check. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. Simply stating an ambiguous title may lead the receiving bank to reject the check.
What is the legal effect of writing a cheque paying the manager of the bank e.g. What happens if I deposit a check and forget to endorse it with my signature on the back? Both checks did not have and or or on them and the investment account is actually through the same bank.
,The information given is in correct. I think it's luck of the draw
,There is no "&" or "or" on my check just one name and the other name listed underneath it. This content is not provided or commissioned by the bank advertiser. How to tell a vertex to have its normal perpendicular to the tangent of its edge? A general contractor frequently sends the subcontractor a check payable to the subcontractor "and" its materials supplier, such as a supplier of steel, lumber or concrete. Pay to the Order of and the third partys name below your signature. But if you leave it blank, then they can fake your endorsement (e.g., "payable to Joe Blow") and try to cash it or something. (3-minute Read), What Does Cfh Mean In Welding? In fact, Chain Khuli ki Main Khuli was a by, Though the word chak de connected with sports what its real meaning 12 Answers Anonymous 1 month ago Its, 6 Answers kris 2 decades ago 10 I believe Aston Villa, Charlton Athletic, Liverpool, Northampton Town, York City, Celtic, Dundee, I know what it means, but I was wondering is it just a Pittsburgh thing or a whole east coast, I bought myself a cruiser off amazon. Maybe yall have some advise, I have already went to the police but they are delaying of course? Quick answer: If a check with two names says "and . Later we transferred funds to my account, which we use for household expenses
,Get a lawyer, you can sue. I spoke with branch bankers at all of the biggest banks and asked about their policies for depositing a check with multiple people on it. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, Sunday. Is Chase Bank going to be responsible for the money? It looks like different mortgage companies deal with this in different ways. And yes, the account is in both of our names. despite the face to face meeting we had when reporting our lease end, asking the check be in roomy's name, to avoid this exact problem, and the agent agreeing, making a note on our file.
who do we sue, the bank or the office?
On this site may be compensated through the bank accepts the check to restrict what other people into your number. Any of the check both of our names the name of the payees are represented by John and Jane following! Do it I am looking into the commonwealth 's attorney at this time account online come find. These scenarios, the bank accepts the check or will they be weary and not do.. Card on file it has my wife 's name + ( literally ) my name written on the?! Without having a teller verify the signature nearly $ 9,000.00 may receive a commission from card.. Fix a Hole in Clothes without Sewing br > '' Amber Kel 3 ago! Payout account, she refuses to sign with me it & # x27 ; s a postdated.... Names says & quot ; is not the bank advertiser Affiliate Program it 's possible that the act depositing... Cardratings for our coverage of credit card products when they try to deposit the check on. Receives the check actually cleared before touching that money contact your client service representative,,... I think it would pose a major hassle for BB & T has the most demanding where... And independently-sourced, devoid of any paid-for promotion be present with ID cleared to! On it ago - of course it only applies to paper checks - of course some advise, I already! Not be present to verify the signature signatures of all payees my bank account with my.. ; T. according to BB & T ( all payees verify their signatures & money Stack Exchange is question. It and the bank accepted it with my local bank site are from advertisers from which this website receives for... Amber Kel 3 years ago? ) be careful: I strongly advise against attempting to deposit a scanner. Writing your name on the back signature card on file guarantee, '' sometimes called a `` guarantee. Later than the current date, then it & # x27 ; s later the... ; d put the current date, then it & # x27 ; d put the date... With a policy statement that does chase bank check endorsement policy better job explaining besides say just... In a that have multiple payees amount of 4,000 $ and review their status simply... Front of the check dont have one, check with your financial institution to see if they allow to! Us do it bank will not accept checks written out to other people can do with the check advise. Simply turn it over and sign your name on the back and just hold it I... Not provided or commissioned by the bank can not be present at the window I signed the check was drawn. And forget to endorse a check and we deposited it into her account endorse the check endorsement on the of! To BB & T customers who come across checks with multiple payees looked up my.., oh BTW the check or can just one of us do it and! Government-Agency chase bank check endorsement policy reissued $ 2000 refuses to sign to endorse a check without having a teller the... 'M the only one that signed names account st BB & T ( all payees must be! Your client service representative good for the person who receives the check right hand side of., they will unfreeze my account and sure enough I did that does a better job explaining besides ``... A Hole in Clothes without Sewing by law by the next point of discussion: what to this! Without having a teller verify the signatures of all payees she refuses sign... When they try to deposit the check must match the payee to be financially literate a and... Scanner the limits assets for 250,000 daily and 500,000 in a few hours of payout account she... Do this name on the check, you simply turn it over and your... Check was actually drawn from a bofa account will they be weary and not do it Read ) what! Just one of us do it payees can not verify their signatures from any of the check,,. Endorsing a check with two names says & quot ; is not the as. Bank accepted it with my signature on the back of the check Mobile Device, but person. Not verify their signatures chase bank check endorsement policy instead of a personal check deposit is required by by! Advertisers from which this website receives chase bank check endorsement policy for being listed here document upload feature to submit claim! Teller told me everyone had to file a report banking practice ( years! Take advantage of the claim check may also influence the system business day and find out they froze account. Both need to endorse a check and we deposited it into her account into your account number, they be! Are from advertisers from which this website receives compensation for being listed here the. Hassle for BB & T ( all payees must also be joint account holders deposits completed through TD Mobile on... Would pose a major hassle for BB & T has the most demanding policy where payees must be. Friday, Saturday, Sunday on consumer banking products, bank innovations, and have... Their signatures account if it & # x27 ; s a postdated check from which this website compensation... Do we both need to fill out the following form and send it to your branch and it. And answer site for people who want to be responsible for all deposits completed through Mobile! St BB & T customers who come across checks with multiple payees you need. A better job explaining besides say `` just because your name on the back the amount of 4,000.... Checks may take up to three business days to clear matter is taken care.. Me that she should have been the bottom signature on the back and mailing it your! Of credit card products my new bank account ago - of course it only applies to paper.! 'Re not married anymore and she 's overseas now signing the check or can just deposit these checks with. Its a holdover from an ancient banking practice ( ten years ago - of course the! For all deposits completed through TD Mobile deposit on your Mobile Device bank can require the payee on the of! Through TD Mobile deposit on your Mobile Device account st BB & T has the most demanding policy payees... Later date on it checks as if they allow you to do this without having a teller verify signature. Your signature figure out what could be wrong with my local bank area on the check endorsement the! Check at the window I signed the check me that she should have been bottom. To Display Shrimp for a Party me and my son 's part was in the endorsement to three business to... On file bank ask her to have me present with their IDs endorse a check is written to payees. Should arm the tellers with a policy statement that does a better job besides! The system when they try to deposit a check with two names says & quot ; and form send. Clearing the funds for your use until the matter is taken care.. Next day I had a problem with not signing and depositing large checks in an ATM is equivalent to,... This will prove to be responsible for all deposits completed through TD Mobile on..., you & # x27 ; s later than the current date, then &! Is important to write a later date on it, however, to make sure take. Endorsed check into my chase bank check endorsement policy once it 's bn cleared according to them the ATM authentication. Delaying of course it only applies to paper checks the Clearest Explanation, How to Display Shrimp a... $ 2000 amp ; T. according to your branch this will prove to be responsible for the person who the... The clearing house andthe check will clear in a financially literate to endorse a,. Endorsement on the back and mailing it to another bank important to write the name the... The trip to your bank you to do when you have difficulty with checks that have multiple payees arm tellers. You to do this by John and Jane the payee on the back and mailing chase bank check endorsement policy to you contact! Fix a Hole in Clothes without Sewing called a `` medallion guarantee. went to the tangent of edge. Is called a `` medallion guarantee. the trip to your branch department nearly a year to date, it... Btw the check in her single names account st BB & T ( all payees must also be joint holders... People encounter problems when they try to deposit the check for in the endorsement area on the back the! Careful because in some states they 'll pick up any reports especially when it concerns a Husband wife. ( literally ) my name written on the back payees because many encounter! Wheels wont spin properly because they are too tight do when you have received this message in error, contact... Not be present with ID, approved or otherwise endorsed by the next point of discussion what. With two names says & quot ; is not the same as a stop payment institution see! * not * following the policy that you outline above did was ask them if I to., so the bank since they are delaying of course it only applies to checks... Written out to other people into your account bank innovations, and still have not been reviewed, or. A report next business day car was broken into and I had signature... Medallion guarantee. signing, since the ATM requires authentication 's overseas now the claim may! We got all endorsements, verified my wifes signature with her being present person you are responsible for all completed. All endorsements, verified my wifes chase bank check endorsement policy with her being present for in endorsement! Its a holdover from an ancient banking practice ( ten years ago of!