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My mother wants me to deposit a check that has her name on it
- Thread starter Anthony Mooch
- Start date
She'd have to sign it over to you. The bank also might put a hold on it just to be safe, although some places straight up won't take it.
Banks won't let you do that these days without the person being there too. Even then they might not honor it.
OP
OP
Well it's not like the ATM has any way to really know it's not made out to you. It might get flagged later, so keep an eye on it.
OP
OP
I'm kind of confused what everyone is flipping over about. I've deposited checks not made out to me but where to one of my parents when they get these weird settlement checks for using certain apps or places being hacked. They just sign it and I signed under it and went into the ATM nothing happen. I just forgot what the process is
ATM just swallows stuff, you've just created some extra work for someone on Monday
also, that money isn't in your account
OP
OP
No she doesn't she says I can keep the money, its a weird settlement check from like a hair product thing
Nobody's flipping out, sheesh. Just saying banks allow this less and less because of fraud problems.
Yeah this. I think some banks might still do it but I know mine stopped a while back.
OP
OP
You can deposit check items made payable to your mother in your mother's account. It needs to have her endorsement or some sort of "For Deposit into XXXXX account" on the back.
Items made payable to your mother shouldn't be deposited via ATM into your account. Decent chance it clears fine. Also a decent chance it gets kicked back.
Items made payable to your mother shouldn't be deposited via ATM into your account. Decent chance it clears fine. Also a decent chance it gets kicked back.
OP
OP
Na, I'm pretty sure I'm good my bank is chase, not one of these local small town banks.
The only time I did this the teller said they'd allow it this time due to the amount being under $100.
I've tried it only once and was denied. It was a looooong time ago before debit cards were ubiquitous.
On a similar note, do not fucking write checks in the express lanes of stores.
On a similar note, do not fucking write checks in the express lanes of stores.
I still write checks, but they're to my local marijuana dispensary. Extremely handy when sales are taking place.
Think of it this way:
You are the sole owner of your account. A check made payable to someone other than you doesn't belong to you and thus does not belong in your account. That item belongs to someone else.
The size of a bank doesn't really matter. Banks might catch that and kick it out because it's not yours to deposit. Your mother could in theory call the check maker and say she never received the check. Check maker sees the item debited from their account. Check maker disputes this with their bank and learns that the account was not deposited properly. Chase would be obligated to remove those funds from your account.
While the scenario above likely won't happen to you, policies like this are in place for a reason. It exposes the bank to loss if they don't catch it and kick it out. Even if it clears tomorrow, that check can technically be disputed for like 2 years or some shit.
You are the sole owner of your account. A check made payable to someone other than you doesn't belong to you and thus does not belong in your account. That item belongs to someone else.
The size of a bank doesn't really matter. Banks might catch that and kick it out because it's not yours to deposit. Your mother could in theory call the check maker and say she never received the check. Check maker sees the item debited from their account. Check maker disputes this with their bank and learns that the account was not deposited properly. Chase would be obligated to remove those funds from your account.
While the scenario above likely won't happen to you, policies like this are in place for a reason. It exposes the bank to loss if they don't catch it and kick it out. Even if it clears tomorrow, that check can technically be disputed for like 2 years or some shit.
My family does this all the time, I had no idea that anyone considered this a problem. As long as the back is signed you can deposit it as far as my experience goes.
I've done this before and never had an issue. I use the ATM and have Bank of America if it matters.
