-I have a check, but it's in my mom's name
-Right now my mom is in Korea and I need to cash this check
or it's gonna be void in like 55 days
-I was wondering how I cash this check or put this check into my banking account.
-Can someone give me some instructions or something?
I'm stumped here
-I would gladly appreciate all your answers thank you!
How do I put a check into my bank account that has a different name on the check?
Write "for deposit only" on the back of the check and deposit the check in your mom's bank account. That will keep the check from becoming stale-dated. I do this with my husband's checks all the time. He travels every week.
Reply:If the check is written out to your mom, the bank will not cash it for your account unless her name is on your account. Your best bet is to call your bank and ask them the best way to proceed.
Reply:Sign your mothers name on it and then yours under it, then put deposit only under your name. Provide ID at the bank when you deposit the check and all will be well. Some banks require you to put a thumb print on the check as well this is done inside the bank by a teller. If any questions are raised about the check later on the bank is covered. Sign the check as your mother would. If they don't except it you will have to get your mother to call them and talk with them to get it into your account. Just make the deposit as you normally would and you should have no problems. Now if you are no supposed to be doing this, and it is illegal and you know it then expect the worst to happen to you.
Reply:This one is going to be tricky...
You would have to write on the back of the check:
Pay to the order of:
Your Name
underneath: your mothers signature.
Meaning... the check needs to be signed over to you by your mother.
Call your bank and see whether they will make an exception....
(possible, if you have an account that is in both your mothers and your name, then you can deposit this check into the joint account. Very unlikely that they will "cash" it for you.)
If you don't have a joint account with your mother:
About the only thing you can do is mail the check to your mother so that she can sign it over to you. But make sure your bank will go along with this first because some banks will go so far as to insist that both people (You and your mother) have to be present to cash the check.
Reply:Unless the check states otherwise it will not expire for 6 months.
Really you can do nothing with it. If you were to do something with it could be considered a crime.
You can call your bank they will tell you the same thing. Without your mom you can do nothing with it.
That isn't to say you couldn't get away with depositing or cashing it. However if the remitter or your mom got angry you could do 2 years in prison (minimum for fraud).
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