Who needs to be present when depositing a federal check?

Question

Since my husband and I filed jointly do we both have to be present to deposit the check into our joint checking account? Or do I just need both of our signatures on it? Will I need both of our ID's if he's not present? Thanks

Answer 1

If you go into your bank often and they know you, you should have no problem cashing the check and depositing it into your joint account. You will need both signatures on the back, but your ID should be sufficient. I have never had my bank require that my husband be with me, but I am also a frequent walk-in customer and they know me, so I don't have a problem. Check your banks policy.

Answer 2

Since both names are on the check, both people need to sign the check. You both don't need to be there unless it is bank policy for both payees to be present to deposit a check with two names on it. If the teller does not know me, and I want cash back, I just need my ID.

I deposit checks written to myself and my husband jointly, or just to my husband all the time. As long as his signature is on the check, they have never had a problem, at any bank we've used, to accept the deposit. I've even deposited checks made out to my children into the account I hold jointly with my husband. (I give the kids cash in return, of course.)

For a check made out just to my husband, if I want cash back, I also need to sign the check, according to my bank's policy.

I don't even think my husband has been inside our current bank or used the drive through since we opened the account. He's always at work during bank hours, so it's my job to do the banking.

Answer 3

Either one of you can deposit, you just need both signatures (and both parties present) for a withdrawal.

Answer 4

If both your names are on it , both of you need to sign the check. Anyone can deposit the check, it doesn't have to be either of you.

Answer 5

Both people should be present. (I do not use a normal banking facility. I go to a check cashing place.) You don't need either if you just do a direct deposit.

Answer 6

No. it's like any check. One person can sign and deposit.

Answer 7

you need both signatures on it, your bank account number and your ID....your hubby doesn't have to be there, they have his signature on record they will compare it when they accept it...have done this for 26 yrs ...lolol

Answer 8

Old School........honey, if you are so unaware, just do what your husband tells you to do... if you need to, E-mail me and I will give you a clue