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Maggie N
Master August 2013

Wedding checks??

Maggie N, on September 5, 2013 at 7:23 AM Posted in Etiquette and Advice 0 14

Ok this may sound dumb, but what do we do with wedding checks??? We want to save the money to be used for us, but we won't have a joint account until I change my name after we get our marriage license back. I don't want to hold on to them until then, so do we cash them now and hold on to the cash until we open our joint account?

14 Comments

Latest activity by Maggie N, on September 5, 2013 at 10:49 AM
  • Christine
    VIP September 2013
    Christine ·
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    We've been getting checks and our wedding isn't until next Saturday it's made out to us with fh last name I've had him sign it and then I deposit it. Haven't had any issues.

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  • Glenda
    Master October 2013
    Glenda ·
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    There was a thread here about checks and whatnot a month or two ago--if checks are made out to you both, some banks apparently give couple's a hard time about cashing or depositing them. A few don't.

    Otherwise everyone seemed to agree that it's better to cash the check sooner rather than later, not hold it, because it throws things off with the sender's/giver's account when checks aren't cashed for a long time (or something like that...)

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  • Chrissy
    Expert June 2014
    Chrissy ·
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    Yes, cash them now. I had a vendor cash a check a few months after I wrote it and it threw everything off.

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  • Erica
    Dedicated September 2013
    Erica ·
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    I just opened a savings acct in my name and I deposit the checks and then transfer it into the savings acct afterwards until we figure out a more permanant place.

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  • Danielle
    VIP October 2015
    Danielle ·
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    I would cash them now. We don't currently have an official joint account yet. But we have our separate accounts and we share his. He's cashed my work checks for half a year without me being present. And I kept track of our spending while my account was a bills account. I don't see you cashing gift checks as an issue.

    If there is an issue temporarily just put your name or his name on your account while you're cashing them. Then if you want, switch them out.

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  • Mrs V (Roe)
    Master August 2013
    Mrs V (Roe) ·
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    I think Erica has a good idea. Open a savings account strictly for those and deposit, then when you work out the joint account thing you can transfer the funds. We thankfully had a joint account before we got married and we made sure to deposit all checks received the day after the wedding so as not to cause any problems with the giver's account. I would not hold on to any checks because nothing is worse then having a check cashed weeks or months after you've sent/given it throwing off your balance. (Yes even if you are diligent and ledger a check it is sometimes possible to forget if you don't constantly reconcile the account for the outstanding check when checking your balance).

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  • Capt&MrsMatey =)
    Expert August 2013
    Capt&MrsMatey =) ·
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    Our bank let us have a joint account before we were married, so all the checks got deposited with no problem. Of course, H signed the ones that were made out to both of us & himself, and I signed the ones made out to me until we get my name changed on the account

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  • MrsO
    Master May 2012
    MrsO ·
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    Cash them so that your guests aren't waiting and waiting for the money to be withdrawn (or think they have more money in their account than they actually do).

    DH and I personally didn't care into which account our wedding money went, as even though we still have separate accounts, we share finances anyway. He deposited all the checks into his account because they were made out to "Mr. and Mrs. O" and I hadn't changed my name on my bank account yet. I deposited any cash into my account.

    If it is important to you that the wedding money goes into a joint account in the future, just make a note of how much is being deposited where and make sure you guys are both on the same page that even though the money is in one of yours account's, it is not spendable. Then when you do open a joint account, just transfer the amount.

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  • KM
    VIP November 2012
    KM ·
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    We also had a joint account before we were married/I changed my name. Once I legally changed my name i simply updated my name on the account.

    I would not wait to deposit checks.

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  • Samantha
    Master May 2013
    Samantha ·
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    I cashed ours as soon as they came in. I just threw them in my savings account and then we added H's name to the account after we got married.

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  • HisBride
    Super May 2015
    HisBride ·
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    Worked in a bank for several years. You can open the joint account now. When you receive your marriage license back take it to the bank and they will update your account.

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  • Kiley
    Super August 2013
    Kiley ·
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    We just added my name to DH's checking account, and left mine alone (obviously will be changing my name on it shortly, but the state decided to take their sweet time sending us our license so we didn't have it for a solid 2.5 weeks after the wedding). Checks went into that newly-shared account, and since he moved into my apartment and all the utilities and such were already set up for autobill through my account, we left that one alone so we wouldn't have to re-set all that up new and over/underpay during the transition.

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  • Tiffany M. ( Tiffany P.)
    Master August 2012
    Tiffany M. ( Tiffany P.) ·
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    We did something similar to Mrs. O. Any cheques that were made out to Mr. and Mrs. M went into his account since I hadn't changed my name and been added to his account. We also deposited the cash into the same account. Only had one cheque that was made out to me in my maiden name. I deposited that one into my account. Never had any issues with depositing any of the cheques.

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  • Maggie N
    Master August 2013
    Maggie N ·
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    Thanks ladies!

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