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Cash check with different name?

talom 132 129 April 23, 2012 at 08:51 PM in Mail In Rebate
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Is it possible to cash a check with a different first name/same last name/same address?

My friend just received a rebate check in the mail and they got his first name wrong. and on top of that, he's a "he" and on the check it's a "she". Would it be best to contact the rebate people to see if they can issue a new check? I don't know if there's any contact number I would have to look into it.

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#2
If he's a member of a credit union or has an account with a small, local, community bank and he has a long-standing relationship with the people inside, there's a good chance they'll just deposit without any problem.

Barring that, he needs to get the rebate company to reissue the check with the correct payee's information on it.
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#3
the check will most likely be cashed.. the rebate company is expecting it to be cashed, shouldn't be any issues
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#4
Ya it will be smooth I have had rebates misspelled and cashed in smooth. To a big powerful company its pocket change. Maybe if the check was a couple of thousands of dollars it might be an issue.
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#5
If you go to a walmart or something and demand it cashed you will likely be rejected. If you go to your own bank and deposit it to your account there should be no issue.
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#6
First endorse check by signin with name on check, then counter sign correct name below it. Drop off in night deposit, everything flys thorough there.
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#7
Quote from talom View Post :
Is it possible to cash a check with a different first name/same last name/same address?

My friend just received a rebate check in the mail and they got his first name wrong. and on top of that, he's a "he" and on the check it's a "she". Would it be best to contact the rebate people to see if they can issue a new check? I don't know if there's any contact number I would have to look into it.

If you go inside the bank or to a check-cashing store, your results will vary based on the teller/rep you have in front of you.

Many tellers will not care when it is a smaller check, but they do take liability for all of their transactions. Because of this, some tellers may turn you down in cashing or depositing the item.

To prevent any returns, I would attempt to cash the check at the institution it is drawn on. If they won't give you the cash, deposit the item into an ATM (if your bank offers this) or into the night deposit as mentioned earlier.

Theoretically signing the name that is printed on the check if it is not your own is fraud, but it is your decision to make in how you endorse the item.
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#8
Quote from Count_Chocula View Post :
First endorse check by signin with name on check, then counter sign correct name below it. Drop off in night deposit, everything flys thorough there.
I agree this is the best idea. Deposit it in an ATM would also work.

I would take a scan or photocopy of the check too just incase you need to get it reissued.
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Vague questions receive vague answers . . . . . .

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#9
Quote from LiquidRetro View Post :
I agree this is the best idea. Deposit it in an ATM would also work.

I would take a scan or photocopy of the check too just incase you need to get it reissued.
Also had no trouble gettin checks past their void date to clear by usin the after hours drop.
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#10
He doesn't have a bank and the name of the bank on the check isn't located here, so it'll have to be a check-cashing place.
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#11
Quote from talom View Post :
He doesn't have a bank and the name of the bank on the check isn't located here, so it'll have to be a check-cashing place.

Google the routing number to see what bank it is.
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#12
Quote from talom View Post :
He doesn't have a bank and the name of the bank on the check isn't located here, so it'll have to be a check-cashing place.
Go get a free checking account. Cash the check and get 100% of the amount not 80% or whatever high fees the check cashing places take.
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#13
Quote from talom View Post :
He doesn't have a bank and the name of the bank on the check isn't located here, so it'll have to be a check-cashing place.
Check cashing place? Why doesn't he have a checking, savings, or money market account somewhere?
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#14
Its fine, as long as your not trying to do something illegal. I've deposited rebate checks with wife's/daughter's name no problem.
Basically, you don't commit forgery unless there was an intent to defraud someone. In this case your friend is actually that same person, so he can't defraud himself.
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#15
As already mentioned, the proper way to handle an issue where a check is intended to you, but the name doesn't correctly match your name:

You sign the name on the back of the check exactly as it is presented on the front of the check. Right under that, you sign your name just like it is on file with your bank on your signature card.

This happens to me all the time, because I have a name that people like to abbreviate, or even change (ie - If I were named Robert, they would write Bob, or (cringe) even Bobbie).

As long as the check is supposed to be to you, and it is simple a mistake, there is no problem with doing it this way. And you don't have to hide by dropping in the ATM.

But if the check isn't really to you -- just someone with a very similar name -- and you do that -- then it's forgery.


** Also - just an FYI since it is related: On checks made out to you (in the correct name), you do not need to sign those to have them deposited into your account. Only if you are cashing, or depositing into another account. The exception are governement checks (such as tax refunds). They have to be signed. This is important to know, in my opinion, because you really shouldn't be signing your checks and then carrying around waiting to go to the bank -- as you could lose them. Then anyone can sign their name under yours, and cash it. If you just don't ever sign them, they will deposit just fine.
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Last edited by ropiv April 30, 2012 at 12:45 PM
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