Depositing a cheque...
 

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[Closed] Depositing a cheque with two names into single account

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Topic starter
 

Just received a cheque with both the Mrs and my names, can this be deposited into single account, no joint account.


 
Posted : 17/11/2014 7:50 pm
 hels
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I think one of you can counter-sign it across to the other ? Call your bank and ask. Might take a bit longer to clear, depends if they notice. When I worked in a bank they only checked vouchers over quite a large amount, but the volumes are considerably lower these days !


 
Posted : 17/11/2014 7:58 pm
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As above, we used to get cheques from the inlaws this way, wife used to frog march me to her bank, where i would then sign the back and never see a penny


 
Posted : 17/11/2014 8:00 pm
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Just pay it into your joint account.


 
Posted : 17/11/2014 8:06 pm
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no joint account.


 
Posted : 17/11/2014 8:07 pm
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I know. I was making a point.


 
Posted : 17/11/2014 8:08 pm
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My experience is that it'll probably slip through.


 
Posted : 17/11/2014 8:13 pm
 Drac
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I've paid them into my account with both names on with no issues before.


 
Posted : 17/11/2014 8:31 pm
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Same surname?

I was told (Natwest) that they couldn't deposit a cheque that was made out to two different people with different names without a joint account. I ended up getting the cheque reissued instead (council tax rebate)


 
Posted : 17/11/2014 8:49 pm
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Took one to the TSB the other day and was told I need to either open a joint account or send it back. It's still in the drawer, maybe I should put it in one of those envelopes?


 
Posted : 17/11/2014 8:50 pm
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Cheers folks, its a ppi cheque from my own bank, will chance it with the teller at my own branch.
Ta


 
Posted : 17/11/2014 9:07 pm
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Try the automated pay in system at the cashpoint. It scans the cheque but it seemed only interested in the value when I did it.


 
Posted : 17/11/2014 9:24 pm
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Slap it into the auto drop in machine and job's a good Un.


 
Posted : 17/11/2014 9:34 pm
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As an ex bank employee the official (legal) answer is no. The bank has to be seen to be crediting the money to both parties. Countersigning cheques has no effect as all modern cheques are crossed. Countersigning only worked on the old uncrossed cheques. However the real answer is whether the cashier, or the person processing the auto deposits, is on there game and spots it. Or you have a 'personal' relationship with your branch and they effectively do you a favour.


 
Posted : 17/11/2014 9:49 pm