It had both her full name and my full name. 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. 1. 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. The judge will ask your ex if that is true. Is there any possible way for me to deposit this check? Some accounts are not eligible for mobile deposit. What is the deadline for making a Prior Year Contribution using Mobile Check Deposit? Do you trust this person? But when a check is made out to more than one person, it gets a little more complicated.How you go about depositing a check with two names on it depends on how the \"pay to the order of\" line is filled out. Deposit a check right from your smartphone or tablet with our app. See Wells Fargo’s Online … Availability may be affected by your mobile carrier's coverage area. Some banks will accept other endorsement styles for mobile deposit. Both of them require access to a bank account or a check … Join our community, read the PF Wiki, and get on top of your finances! Many banks have low check-deposit limits. Good to know, thanks for finding this. Snap a picture of your check (front & back) Show it a little love with good lighting, a dark background, and a view of all 4 corners. I paid them their half of the security deposit before they moved out. 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. You’ll get an on-screen confirmation and an email letting you know we’ve received your deposit. Their mobile app is available on both the App Store and Google Play. And on the back it has an endorsement line, etc, New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. To deposit your check online instantly, just go to “My Account”, take a few photos of both sides of your check. Long story short, me and my ex made plans to move in together in the state of New York. I do not wish to contact her, especially over a petty sum. If the ex wants she can take you to small claims court. How To Deposit A Check With Two Names. This is a fairly common occurrence where I work, and we do the best we can to accommodate the situation. Open the app and tap Deposit in the quick-action menu at the bottom of the Welcome screen, then Deposit a check. Have to contact the source of the check. Flip over to the back, make sure you’ve signed the check before taking a picture. Mobile Check Deposit is a free Footnote 1 service available on your Citi Mobile app for iPhone ®, iPod touch ® and Android ™ devices. I am pretty angry because I feel like they have already tried to make things difficult for me by writing such an ambiguous check. Enter the amount of the check and tap "Front". ", https://www.kts-law.com/security-deposit-law-for-california-residential-landlords/, Take this as a lesson to remove a person from the lease as soon as you know they have no reason to be on the lease. I just got my security deposit back, except it's a check, not cash, and the check has two names on it. It uses the same strict security measures you rely on at Schwab.com and is available for Schwab Bank or Schwab Brokerage and IRA accounts. Most banks now offer mobile apps that you can download to make your deposit, so you don't have to drive to the bank. The payment giant that everyone knows, PayPal, indeed allows you to cash a check online through their mobile app. Wedding Check Deposit Tips: 1. It’s the simplest way to handle the check. See if they will agree with your reasoning/remember who gave the deposit, maybe send them bank statement proof it was from your account. Join our community, read the PF Wiki, and get on top of your finances! I may try to cash it digitally as a last resort, my concern is that the check will bounce because both names are on it, and I will be hit with legal repercussions of some kind for attempting to cash a check that doesn't just have my name on it. Mobile deposit. 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). Cookies help us deliver our Services. Smartphone Equality ™ is our way of rewarding loyal customers. I deposited wedding checks written to my maiden, married and misspelled last names with zero issues! Close. After your deposit, write “mobile deposit” and the date on the front of the check. I used to work for a mortgage company and this situation came up fairly often with escrow refunds. And the judge will get angry at her for wasting their time. The names are mine, and the name of my ex. 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. But I want to point out two things: I understand that when a check is written with two names, it usually includes 'And' or 'Or', to specify that the check can either be deposited by either party, or requires both parties be present. I just got my security deposit back, except it's a check, not cash, and the check has two names on it. If we're the only check payee, we just endorse it by signing it on the back and we put it in the ATM, bring it to the bank or take photos of it with our cellphone. Deposit limits and other restrictions apply. does your bank let you do ATM check deposits? My hope is that since my name and my personal bank account was the only one making payments on the apartment, that will assist me. Many banks and credit unions also let you deposit joint checks through mobile apps or ATMs this way. I just got the security deposit check from the apartment complex and it has both our names on it with "and" in the middle. They don’t do a whole lot of checking on who it’s made out to unless the check bounces. Take pictures of the check with your phone or tablet. 2 We encourage you to download the U.S. Bank Mobile … 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. 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. Verify the information and submit. Now since we co-signed, I am assuming I am in a bit of a bind. So a real estate company is playing funny games with me. With mobile deposit, a customer is able to deposit a check into their account using your phone or tablet’s camera. Her only contribution was co-signing the lease. 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. [2]. 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. 1. 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. Press question mark to learn the rest of the keyboard shortcuts. Use your mobile banking app and smart-phone camera to snap a picture of the front and back of a paper check, then electronically and securely deposit it into your account. Technically without an and or an or I believe it’s implied to be or so the teller should have accepted it. Wow! 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. I just got the security deposit check from the apartment complex and it has both our names on it with "and" in the middle. It's as easy to use as your phone's camera. Load Checks with a Snap. Deposit the check into a joint account as an alternative. Just pay your bill on time for 12 months to qualify for our best lease pricing on new phones and tablets—that means no down payment. Choose an account both you and the other person share, if possible. Other. Message and data rates may apply. 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. The names are mine, and the name of my ex. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. Yeah, I've used ATMs with no problem when I do this. By using our Services or clicking I agree, you agree to our use of cookies. Or in other words I feel you're overthinking it. 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. She took the check in to deposit it and had no problem … They require both people to physically present which is 100% impossible. If you write “for deposit only” on the back of a check made out to you and then sign your name, the check can only be deposited in your account. If so you could sign the check then mail to them. After a parent, and the minor child, if appropriate, fills out the back of the check with their signatures and account number as explained above, they simply open the app and snap photos of the front and back of the check.Next, the parent will have the … Mobile check deposit not available for all accounts. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Archived. I am hoping I can get this resolved without contacting my ex. I did already try to deposit it, and the bank teller was just like 'nope'. Where you'd say that you put down the money for the deposit and so you considered it your money. This will avoid potential liability to a tenant who isn’t forwarded his/her share of the deposit by another roommate. Cookies help us deliver our Services. 4 years ago. Of course if she put down the money or a part of the money for the deposit, you should return her portion. Deposit after that, and it may take up to the second business day for the check … I will keep this in mind, but I am concerned this will actually complicate things considering as another poster pointed out that the check is by most regards just a piece of paper at this point since it doesnt even say 'pay to the order of'. They were flabbergasted that a check would just have names printed on it, without any indication of who the check is for. That is the case for some taxpayers, but most taxpayers have only two options: direct deposit or paper check. Worst that can happen is they reject it. There's a letter that came with the check that shows me the breakdown of the refund (e.g., we subtracted 150 for cleaning..), etc. Trust me, they don’t care to get in the middle of you and your ex. So am I just SOL? Sign the back and then write for deposit only with the account number. If you have a bank account. Life lesson, don't co-sign an apartment with an SO unless you trust them a lot. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. If it doesn't say "pay to the order of" it is NOT a check. No credit check. Deposit it online through your bank app. 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. Making the check payable to all of the residents ensures that they must work out that division between them, avoiding any landlord involvement in any dispute between the residents about splitting the refund. 9/10 times it goes through just fine. Nearly 2/3 of banks offer mobile remote check deposit capture, according to a survey. If this is the case, call and ask the bank for a one-time exception. What if I receive a paper stimulus check? Have them sign and deposit the check then send you the money. Card usage is … My bank account paid the rent all 12 months. ET). Press J to jump to the feed. Choose an account and enter the amount of the check. Press question mark to learn the rest of the keyboard shortcuts. Sign in and tap your checking or savings account. Mobile Check Deposit will only accept standard-sized personal or business checks. However, consider making your contribution during market hours (prior to 4 p.m. Match Name on Check . I could get hit with a fee for a bounced check or worse. See more details on the T-Mobile MONEY Deposit Slip. Long story short, me and my ex made plans to move in together in the state of New York. I am the only person who made payments on the rent. We co-signed the lease. By using our Services or clicking I agree, you agree to our use of cookies. 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. Confirm your bank’s mobile deposit limit. I recently moved out of an apartment I shared for a year with a roommate. Or have them alter the check with the OR verbage. My bank says both people need to be present. 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. 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. ET on April 15, 2021. The deadline for prior year contributions is 11:59 p.m. When you deposit a check and the funds show up in your account as “available,” it does not mean the check is valid. OP could also try mobile check deposit first. Depends on the bank, some require in person and some just require both signatures. Fast, convenient, and secure. Select the Deposit icon. Make a Deposit. We co-signed the lease. Press J to jump to the feed. Is there no way around this? Your mobile carrier's message and data rates may apply. Business Endorsement on a Check . The other solution? Other restrictions apply. Load checks to your Card with your phone, using the Netspend ® Mobile App. According to THIS -read (d) at the bottom, if it’s ambiguous, it only requires one signature. Depositing a check with two names on it. Some banks are also suggesting you add "For Mobile Deposit Only at (Bank Name)" or "For (BANK NAME) Mobile Deposit Only." Do I have any options? We don't like each other very much. Or the ATM. —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. A whole lot of checking on who it ’ s made out to Lucy deposit... 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