Wow! Chase, however, will take third party checks for deposit, even over its mobile phone applications, but needs to also see the owner of the check with you, in person, if you intend to cash it. I do not wish to contact her, especially over a petty sum. In the Chase Mobile ® app, choose “Deposit Checks” in the navigation menu and select the account. What if I receive a paper stimulus check? Choose an account and enter the amount of the check. It would be best to call your bank ahead before you deposit the check. I just got the security deposit check from the apartment complex and it has both our names on it with "and" in the middle. Open up the Capital One® mobile app. ET). Bigger pockets discussion (great forum for landlords and potential real estate investors): https://www.biggerpockets.com/forums/52/topics/122268-security-deposit-2-people-on-lease-who-to-cut-the-check-to. [2]. Long story short, me and my ex made plans to move in together in the state of New York. If they back out and change the checks so you can cash it by yourself, they are opening themselves up to a lawsuit from the other party. Sign in and tap your checking or savings account. If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. And here is specific reference related to California: "If there are multiple residents, landlords should make any refund check jointly payable to all of the residents who have signed the lease unless all residents have given you written instructions to the contrary. Basically the landlord is liable to pay everybody on the lease. It's as easy to use as your phone's camera. This is a fairly common occurrence where I work, and we do the best we can to accommodate the situation. Business Endorsement on a Check . Your mobile carrier's message and data rates may apply. Smartphone Equality ™ is our way of rewarding loyal customers. Where you'd say that you put down the money for the deposit and so you considered it your money. We don't like each other very much. If you receive an Economic Impact Payment in the form of a paper check through the mail, a fast and safe way to deposit your money is with mobile check deposit. How to deposit checks with our Mobile Banking app. If a wedding check is made out to both of you, make sure that you both sign it before depositing 3. 4 years ago. I moved up ahead of her, and she promised to follow up a month later. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Deposit after that, and it may take up to the second business day for the check … ET on April 15, 2021. Mobile Check Load [1]. They require both people to physically present which is 100% impossible. Other. does your bank let you do ATM check deposits? Not sure if this is the right place to ask this but this is my situation: I lived in an apartment with a roommate who moved to California (I live in Mass). Deposit limits and other restrictions apply. If this is the case, call and ask the bank for a one-time exception. Wedding Check Deposit Tips: 1. Have them sign and deposit the check then send you the money. What is the deadline for making a Prior Year Contribution using Mobile Check Deposit? To deposit your check online instantly, just go to “My Account”, take a few photos of both sides of your check. Deposit the check. Sign the back and then write for deposit only with the account number. at this point this seems like my only option. 2 We encourage you to download the U.S. Bank Mobile … Select the Deposit icon. Mobile check deposit not available for all accounts. If we receive an ACH deposit before 6:00PM ET on a business day or a check deposit before 5:00 PM ET on a business day, we will consider that business day to be the day of your deposit. Deposit a check right from your smartphone or tablet with our app. Some banks are also suggesting you add "For Mobile Deposit Only at (Bank Name)" or "For (BANK NAME) Mobile Deposit Only." So a real estate company is playing funny games with me. Check with your bank to find out if they need a special mobile endorsement. Card usage is … I just got the security deposit check from the apartment complex and it has both our names on it with "and" in the middle. Close. Cookies help us deliver our Services. Or have them alter the check with the OR verbage. By using our Services or clicking I agree, you agree to our use of cookies. The deadline for prior year contributions is 11:59 p.m. The judge will ask your ex if that is true. Then are they just messing with me? Depositing a check with two names on it. Best bet, try to cash it digitally, or take it as the cost of a lesson learned. Then she never did, and we broke up, and we are no longer friends and have not spoken to each other in over half a year. Sign the back of the check and write “for deposit only at Bank of America”. If the check is made out to Lucy McG… I could get hit with a fee for a bounced check or worse. Use the ATM machine to deposit your checks. u/RPI_skuhh. Of course if she put down the money or a part of the money for the deposit, you should return her portion. See more details on the T-Mobile MONEY Deposit Slip. Her only contribution was co-signing the lease. Take pictures of the check with your phone or tablet. Many banks and credit unions also let you deposit joint checks through mobile apps or ATMs this way. Or send them the check to sign, send it back to you and you sign/deposit it with a bank that doesn't require you both to be physically present. The bank will accept it. Good to know, thanks for finding this. We don't think much about depositing a check made out to ourselves. Do I have any options? They aren't going to do that, they owe the money to BOTH persons who signed the lease, not their problem that OP is on the outs with his ex-SO. Since both names are on the account, the bank accepts the check automatically. Depositing a check with two names on it. They were flabbergasted that a check would just have names printed on it, without any indication of who the check is for. However, consider making your contribution during market hours (prior to 4 p.m. Mobile check deposits are limited to $50,000 per day for non-retirement accounts and $100,000 for retirement account rollovers. The names are mine, and the name of my ex. Most financial institutions require that you take a photo of both the front and the back of the check, and indicate the amount of the check. Fast, convenient, and secure. Have to contact the source of the check. By using our Services or clicking I agree, you agree to our use of cookies. I paid them their half of the security deposit before they moved out. Some banks will accept other endorsement styles for mobile deposit. When you deposit a check and the funds show up in your account as “available,” it does not mean the check is valid. If you have a bank account. Trust me, they don’t care to get in the middle of you and your ex. It had both her full name and my full name. 9/10 times it goes through just fine. As interest in the technology grows, so do fraud concerns. It’s the simplest way to handle the check. The apartment management sent one check for the deposit return however since my roommate and I didn't live anywhere near each other, they sent the check to her address since it was closer. See if they will agree with your reasoning/remember who gave the deposit, maybe send them bank statement proof it was from your account. —Mail-in Check Deposit (for checks more than $3,000): The check must be endorsed on the back with “For Deposit Only” and signed by both parties, then mailed to us along with a filled-out T-Mobile MONEY Deposit Slip. Technically without an and or an or I believe it’s implied to be or so the teller should have accepted it. I have BoA and was able to deposit a check with mine and my partner's name on it at the ATM into my personal account and there weren't any problems with it being accepted. Load Checks with a Snap. OP is simply going to have to accept the consequences of signing a lease with someone who wasn't his spouse with no agreement in place as to who owed what to whom. My bank says both people need to be present. How To Deposit A Check With Two Names. They don’t do a whole lot of checking on who it’s made out to unless the check bounces. My bank account paid the rent all 12 months. Press question mark to learn the rest of the keyboard shortcuts. The names are mine, and the name of my ex. I am pretty angry because I feel like they have already tried to make things difficult for me by writing such an ambiguous check. This will avoid potential liability to a tenant who isn’t forwarded his/her share of the deposit by another roommate. That is the case for some taxpayers, but most taxpayers have only two options: direct deposit or paper check. We co-signed the lease. Their mobile app is available on both the App Store and Google Play. Things to Know About Mobile Deposit: Endorse your check, and write “For KeyBank mobile deposit only.” Your money could be available the next business day when you make your deposit before 11 PM ET. Availability may be affected by your mobile carrier's coverage area. Press question mark to learn the rest of the keyboard shortcuts. This check has neither, it just has are names printed, mine at the top and hers at the bottom, with absolutely no specification as to who the check is addressed to. Create a joint bank account BEFORE your wedding 2. I want to know if this is true or if I have some sort of legal line of defense since their statements should show my name and my bank account is the only one who ever made actual payments on the rent. She took the check in to deposit it and had no problem … 1. I used to work for a mortgage company and this situation came up fairly often with escrow refunds. Cookies help us deliver our Services. Mobile Check Deposit will only accept standard-sized personal or business checks. Some accounts are not eligible for mobile deposit. The service is 100% free and there are no fees. We co-signed the lease. Not once did my ex make a direct financial contribution to paying rent. You should keep the check secure for 5 days before tearing it up. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. And the judge will get angry at her for wasting their time. I will do that, my reason for posting is a concern that they will not wish to accommodate me (basicly pull the slum-lord card) and try to pretend that since the lease was cosigned the check has to be given to both parties. Right from your account into a joint bank account before your wedding 2 sign and deposit the check in your! Difficult for me by writing such an ambiguous check small claims court that everyone knows,,... Schwab.Com and is available for immediate withdrawal hours ( prior to 4.! You ’ ve received your deposit information is correct, then an person... Mobile deposit, write “ for deposit only at bank of America ” uses the strict... Giant that everyone knows, PayPal, indeed allows you to small claims court Wells Fargo ’ s made to! 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