Can I cash an endorsed check that doesn't have my name on it?

Question

My dad has a check from the state but he can't make the time to actually go and cash it so I'm wondering if I could. I'm over 18, so that shouldn't be a problem, but will they do it if he just endorses it and I actually go in to cash it?

Answer 1

Legally, a check endorsed 'in blank' becomes a 'bearer instrument'. That is a legal term for a check that can be cashed be whoever has physical possession of the document. You would be better to have him endorse the check to you specifically. That prevents anyone else from cashing it should you misplace it. Have him write "Pay to the order of (your name)" and then sign. When you get to the bank, you would then endorse below his signature.

Answer 2

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RE:
Can I cash an endorsed check that doesn't have my name on it?
My dad has a check from the state but he can't make the time to actually go and cash it so I'm wondering if I could. I'm over 18, so that shouldn't be a problem, but will they do it if he just endorses it and I actually go in to cash it?

Answer 3

Endorsed Check

Answer 4

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Answer 5

It depends on your bank. Almost definitely no bank will cash it unless you have an account there. If you bank with a large bank, they probably won't do it, since they won't touch third party checks like this. A smaller bank may be willing to call your dad and get his okay over the phone. Banks know that state governments are sticklers for following the rules concerning checks. You'll just have to go ask wherever you or your dad keeps an account.

Answer 6

It depends on the state and the nature of the check. If it is a benefit check, it may not be possible. If it is a payroll check, there should be no problem.

I find it hard to believe he can't make the time to cash a check, so I suggest you stop playing games with your father's check before you get into trouble.

Answer 7

You could cash it by endorsing the check also...but a lot of places will not cash double endorsed checks. Best to do what one of the others has already stated. Deposit it into his account and have him write one to you to cash from his account. If you have enough money in your bank account...you can deposit it into your account and then write yourself a check. Just under his name...put for deposit only acct # >> your acct. number << . Good Luck.

Answer 8

Depends on the bank he would have to sign it to you but usually the person who the check is made out to needs to be there and show there ID so he might as well go cash it himself

Answer 9

it all depends on where you are and where you get it cashed. if you take it to the bank that your dad has an account with or one that you have your account with, then they may cash it for you but you will have to sign it as well- right under his signature.

Answer 10

I agree with Steven F about the law/banking rules

However, you will need to show id, you will be on camera in the bank and you will absolutely be caught if you are up to any funny business.