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Absence Of My Existence | Can I cash a payroll check for my dad at my bank? |
My dad is down visiting for a week or so and he had his job send him one of his checks. I was wondering if he signs the back of it can I cash it for him at my bank? |
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phillipfostercpa
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The Uniform Commercial Code (UCC) provides for four kinds of indorsements (signing the back of a check, for example); 1) blank, 2) restrictive, 3) nonrecourse, and 4) special.
1) A blank indorsement is when a person just signs his name on the back of the check. With such an indorsement, the check becomes a bearer instrument, as if cash. "Finders keepers, losers weepers" applies.
2) A restrictive indorsement is when a person signs with a condition, for example, with the intent of prohibiting further transfer, like (1st line)"For Deposit Only", (2nd line) [Holder's Signature."
3) A nonrecourse indorsement is when, for example, someone gives me a check, and I offer to negotiate it to you, and I sign it, (first line) "Without recourse," (2nd line) [My Signature]. Here, you are on notice that I have a hunch that the check may not be good and I don't want you to come back to me to pay up! Would you take such a check, for value? (Probably not.)
4) A special indorsement is the indorsement you and your dad want to make. Your dad signs the back of the check, (1st line) "Pay to [Your Name]," or "Pay to the order of [Your Name], (2nd line) [His Signature], (3rd line) [Your Signature].
That makes the check a bearer check, like in (1) above.
Alternately, you may, on the 3rd and 4th line, make a restrictive indorsement, such as, "For Deposit Only/[Your Signature]," like in (2) above.
Now, that is my understanding of the law, as far as negotiating a check. What a bank teller, or his/her manager does is another issue, altogether!
If the banker refuses to cash it, your alternative is to deposit your dad's check with the restictive indorsement and then withdraw funds from your account when funds are available.
Phil
http://www.phillipfostercpa.com/money.html |
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alaynahines
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not unless he banks at the same bank, or if the company banks at that bank. I've tried this they will tell you "sorry, sir, i am unable to complete this transaction, have a spectacular **** hole-type of day!!" |
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purple_deity
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Probably not. But your dad can cash it at either a grocery store, or a bank. He'll have to have a picture ID and maybe pay a buck or two. |
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nelsonnn3
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only if your name is on the account |
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wrkey
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Nope Your dad will need to be there in person for obvious security reasons. |
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*****
 |
Yes ,you can. I use to cash my parents checks all the time when they were alive. |
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WhatAmI?
 |
NO!
You could DEPOSIT it for him, but no bank employee would give you cash for it!
Just have him endorse it "FOR DEPOSIT ONLY", write his account number on the back and he can use his ATM/DEBIT to make payments on his bills or get cash.
Does your father know about DIRECT DEPOSIT services?
Tell him to talk to the payroll officer at his place of employment about getting direct deposit started. His paycheck is sent directly to his bank account and will spare him the HASSLES of making mad dashes to the bank to deposit his checks. |
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cpumplun
 |
Have him go with you to the bank PRIOR to endorsing the check over to you. Ask the bank personnel if he signs the check over to you can you then deposit it into your account.
If he is looking to have the full amount of the check in cash then and there, you are better off going to a check cashing place (as others have said most check cashing places will not allow 2 party checks which is why you don't want your dad to sign the check over to you in case the bank will not do what you want it to do), as the bank will not let you cash that check unless you have the full amount of the check already sitting in your account. |
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NeighborLady
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Yes. Have him sign the back like this: Pay to the order of (your name), then his name. Now it is a two-party check, and it belongs to you to cash or deposit as you please at your bank. Most grocery stores and check cashing places won't take a two-party check, but a bank will. |
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Larry W
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No, but why don't he try to cash it himself , or open a account in his and your name, and you can deposit his check in that account and you can get it out the next day. |
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Patrick
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Depends greatly on the bank/credit union. Some will do it but charge fees, some will do it for free, some won't even touch the check unless he is on your account or gets his own account. Best to just call and find out what their check cashing policies are. With all the check fraud out there, financial institutions are beginning to lean away from check cashing for non members. |
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Matt
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It depends on the bank's particular policy.
Many banks will allow your dad to sign the check over to you and cash it, as long as you have enough funds available in your account to cover the check hold until the check clears.
Some banks, mine included, have made it a policy that you have to deposit the check and then you can withdraw the funds from the account.
Your bank is not required to cash any check that they feel compromises their security. They may not cash it for you.
This is due to the increase in fraud.
Just want you to be prepared. |
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