Check cashing problems? No name change

No as long as his name is on it

We had checks made out to both of us or just me, some with different names. Bank of America didn't reject any of my deposits. My account is in my name only.

It really depends on the bank and even the specific teller. If at least one of your names is correct on the check, it ultimately should be fine, but you really won't know until you try!

It's not usually a problem! People misspell names and put incorrect marital names on checks all the time!

Depends on the teller really. if they are not willing to "risk it", they might require an extra form of ID.

most times they can use common sense and see that they are wedding gifts and as long as its deposited into an account with both names on it you should be fine. if there is a check made to Mrs. Smith instead of Doe... they may have you sign jane smith followed by jane doe. just ask the teller that you make the deposit with. its there job to help customers make deposits properly

I've heard that you might have a problem cashing the checks, but not depositing them, as long as one of the names is on it.

I worked at a credit union for over 4 years, so that's the experience I'm speaking from. It's going to depend on the financial institution and how strict they are going to be. Technically speaking, if the check is made out to "John AND Jane Doe" both of you would need to endorse the checks and that would need to be your name. If it is made to "John OR Jane Doe" either one of you can sign, both is not needed, so his name would be find. The credit union I worked for was pretty strict with this. Unfortunately, when people write checks for gifts they don't think about this.

Again, it's really going to depend on the financial institution and specifically the teller that helps you. Sometimes with these situations they'll be a little more lenient. But it's just going to depend on a lot of things. Good luck.

We just went together. The checks were going into my account which was under my maiden name (name wasn't legally changed yet). He signed every check over to me, I deposited them, and showed a copy of the marriage license as well. It was a bit tedious but it wasn't too hard. This was Wells Fargo. I'd call the bank ahead and ask what you need, but as long as both of you have ID and your marriage certificate, you should be okay, I'd think.

We DID have this problem. Most of our checks were made out to "Mr. and Mrs. X". I was planning to start the name change process (would ultimately become "Mrs. X") and we went to deposit the checks into his account right after our honeymoon. Even though both of us were present with photo IDs and I was authorizing him to put all of the money into his account, we were not allowed to deposit the money. We were told that since the checks were made out to both of us we would both need to endorse them...but since "Mrs. X" wasn't legally a person yet, none of the deposits would go through. Absolutely ridiculous and frustrating. So we are having to wait until the name change stuff goes through and we can both go to the bank in-person to have them deposited.

My husband signed the checks first, then I signed with my married name (which I am not changing to) and then I signed on the next line with my actual name. We both had to go in person to deposit the checks, AND then when we got there (after I had talked to them 2-3 different times about what we needed to do) the teller informed us that we either needed to bring a copy of the marriage license OR we had to add each other to each other's accounts. We chose to add each other rather than make another trip.

I just brought our marriage license (and my husband). Fidelity told me they didn't care. I've never had an issue with Bank of America with it either (I usually just use the ATMs that take checks though, so I'm not sure if a person even looks at them).

I too used to be in banking, I think your best bet is to bring the marriage license. You can fib and tell them you may change your name in the future, but still deciding or something like that. They still might make you add the non-signer spouse onto the signer's account though.

We weren't very strict about this at the bank I was a teller at. Our bank now isn't strict about it either. I just had Jeff sign the ones made out to both of us and then I signed them all with my married name and maiden name. We have a joint checking account that they all went into and we just deposited them through the drive on our way to our honeymoon. We didn't have any problems and I didn't have a marriage license with me, either. That said, your bank could be much more strict on this and require a marriage license and/or an ID with your new name. I would call and check before you, potentially, waste a trip up there.

Take your marriage certificate. I would ask about adding both names even though you're not changing yours i.e. Lilly Doe Smith. This probably isnt the only time you'll receive gifts/checks in the wrong name. You can however use your last name on your checks and debit card so it matches your ID. That's a must.

If it's a bank you have a history with it may not be a problem, but if it's one that you have no history with it probably will. There are so many different laws post 911 for Identification verification, I wouldn't take any chances.

We didn't have an issues with anything, and were able to deposit all checks a few days after the wedding. no name change was needed, I just signed my maiden name even if they were made out to my married name. Like everyone else has said though, it seems to vary by financial institution.

So far, we haven't had any issues depositing any of the cheques that have arrived. We opened a joint account some time ago just to have that ready and it's in my maiden name (and I'm also maintaining my maiden name after the wedding).

Update, no problem at all. I had to sign with both names.. Didn't tell them that I wasnt planning on changing

Bank of America was a nightmare. It took me a total of 2 1/2 weeks to finally get my checks deposited. First I signed them and went to deposit them. Told me hubby had to sign as well. Took them home and he signed them a couple days later. Took back to bank. Told me since he wasn't on the account he had to be there in person in order for me to deposit them into my account. Went back home. He and I went back to bank a few days later. They wouldn't deposit them into my account even with him standing right next to me saying it was okay. Told me that he had to be on the account. Finally talked to a manager and they let us deposit them into my account but it was brutal.

As a asst manager of a credit union, I suggest going in there without endorsing the checks and ask the banker opening your joint account what they want. It makes life a ton easier, because posters above are right, each place is different. Our policy is that if it makes sense and you get proper endorsements, go ahead. I'll deposit checks made out to "Mr and Mrs John Doe" even if the wife hasn't changed her name yet because it makes sense, and I just get both of them to sign. I've never once heard of a banker asking for a marriage certificate though unless you're proving name change. I wouldn't bother with that. I'd also ask for a manager if the teller is being uncooperative.

And for the future, same thing. If it makes sense, we would let it go. We have a frequent member who's in the same situation, but her hubby's family insists on sending checks to her with her husbands name on it... If the bank you open your account at won't be flexible at account opening, reconsider the bank, because it shouldn't be that big of a deal.