I just got my security deposit back, except it's a check, not cash, and the check has two names on it. My bank says both people need to be present. In the Mobile Banking app menu, select Deposit Checks, then Help for details and other terms and conditions. As interest in the technology grows, so do fraud concerns. Have them sign and deposit the check then send you the money. 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. Or the ATM. 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). 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. 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. Is there any possible way for me to deposit this check? How To Deposit A Check With Two Names. Some banks will accept other endorsement styles for mobile deposit. Load Checks with a Snap. Verify the information and submit. Press J to jump to the feed. does your bank let you do ATM check deposits? If the check is made out to Lucy McG… I used to work for a mortgage company and this situation came up fairly often with escrow refunds. Match Name on Check . Choose an account and enter the amount of the check. The deadline for prior year contributions is 11:59 p.m. Press question mark to learn the rest of the keyboard shortcuts. Mobile Check Deposit will only accept standard-sized personal or business checks. Mobile Check Deposits are subject to verification and not available for immediate withdrawal. To deposit your check online instantly, just go to “My Account”, take a few photos of both sides of your check. Where you'd say that you put down the money for the deposit and so you considered it your money. It would be best to call your bank ahead before you deposit the check. Other. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Then try the ATM, which seems like a big hassle to reject. 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'. Sign the back and then write for deposit only with the account number. Open the app, use your fingerprint to securely sign in Footnote 3 and select Deposit Checks. No credit check. Press J to jump to the feed. 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. 3. I am hoping I can get this resolved without contacting my ex. Close. u/RPI_skuhh. Good to know, thanks for finding this. Deposit limits and other restrictions apply. 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. 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. Wow! Mobile Check Deposit is a free Footnote 1 service available on your Citi Mobile app for iPhone ®, iPod touch ® and Android ™ devices. I paid them their half of the security deposit before they moved out. Mobile deposit. 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. 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. Many banks have low check-deposit limits. By using our Services or clicking I agree, you agree to our use of cookies. 2 We encourage you to download the U.S. Bank Mobile … Not once did my ex make a direct financial contribution to paying rent. Business Endorsement on a Check . Trust me, they don’t care to get in the middle of you and your ex. With mobile deposit, a customer is able to deposit a check into their account using your phone or tablet’s camera. I deposited wedding checks written to my maiden, married and misspelled last names with zero issues! 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. Do I have any options? She took the check in to deposit it and had no problem … I just got my security deposit back, except it's a check, not cash, and the check has two names on it. 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. You’ll get an on-screen confirmation and an email letting you know we’ve received your deposit. The names are mine, and the name of my ex. [2]. Confirm your bank’s mobile deposit limit. Some accounts are not eligible for mobile deposit. OP could also try mobile check deposit first. 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. ET on April 15, 2021. 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. 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 payment giant that everyone knows, PayPal, indeed allows you to cash a check online through their mobile app. I want to call the real estate company and chew someone out, but I need to be prepared in case they try to rub some weird legalese in my face to prevent me from cashing the check. Take pictures of the check with your phone or tablet. This will avoid potential liability to a tenant who isn’t forwarded his/her share of the deposit by another roommate. 2. Both of them require access to a bank account or a check … Is there no way around this? 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. Mobile check deposits are limited to $50,000 per day for non-retirement accounts and $100,000 for retirement account rollovers. Make a Deposit. Now since we co-signed, I am assuming I am in a bit of a bind. Depositing a check with two names on it. Deposit a check right from your smartphone or tablet with our app. Long story short, me and my ex made plans to move in together in the state of New York. What is the deadline for making a Prior Year Contribution using Mobile Check Deposit? The service is 100% free and there are no fees. Of course if she put down the money or a part of the money for the deposit, you should return her portion. Cookies help us deliver our Services. Cookies help us deliver our Services. See if they will agree with your reasoning/remember who gave the deposit, maybe send them bank statement proof it was from your account. So a real estate company is playing funny games with me. Many banks and credit unions also let you deposit joint checks through mobile apps or ATMs this way. Use the ATM machine to deposit your checks. 4 years ago. I just got the security deposit check from the apartment complex and it has both our names on it with "and" in the middle. Basically the landlord is liable to pay everybody on the lease. Create a joint bank account BEFORE your wedding 2. Select the Deposit icon. 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. Her only contribution was co-signing the lease. We co-signed the lease. Deposit it online through your bank app. They require both people to physically present which is 100% impossible. Deposit after that, and it may take up to the second business day for the check … The bank will accept it. Check with your bank to find out if they need a special mobile endorsement. They don’t do a whole lot of checking on who it’s made out to unless the check bounces. Then are they just messing with me? If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. If it doesn't say "pay to the order of" it is NOT a check. VO: Schwab Mobile Deposit ™ is the quick and easy way for Schwab account holders to deposit checks from anywhere using a mobile device. What if I receive a paper stimulus check? It had both her full name and my full name. 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. Long story short, me and my ex made plans to move in together in the state of New York. TD Bank, on the other hand, generally won't allow double endorsed checks deposits unless it is being deposited into a joint account naming both parties. If the ex wants she can take you to small claims court. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Deposit the check into a joint account as an alternative. Open the app and tap Deposit in the quick-action menu at the bottom of the Welcome screen, then Deposit a check. It's as easy to use as your phone's camera. I recently moved out of an apartment I shared for a year with a roommate. guruXOX / Shutterstock Sept. 5, … 1. We don't think much about depositing a check made out to ourselves. Deposit the check. Your mobile carrier's message and data rates may apply. Yeah, I've used ATMs with no problem when I do this. Enter the amount of the check and tap "Front". The names are mine, and the name of my ex. 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. However, consider making your contribution during market hours (prior to 4 p.m. Make sure your deposit information is correct, then select Deposit. According to THIS -read (d) at the bottom, if it’s ambiguous, it only requires one signature. Smartphone Equality ™ is our way of rewarding loyal customers. Since both names are on the account, the bank accepts the check automatically. Other restrictions may apply. By using our Services or clicking I agree, you agree to our use of cookies. Fast, convenient, and secure. Mobile check deposit not available for all accounts. Enter the amount of the check and tap "Front". She'll say yes. 1. If a wedding check is made out to both of you, make sure that you both sign it before depositing 3. 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. How to deposit checks with our Mobile Banking app. Card usage is … Or in other words I feel you're overthinking it. So am I just SOL? Sign the back of the check and write “for deposit only at Bank of America”. Load checks to your Card with your phone, using the Netspend ® Mobile App. The other solution? After your deposit, write “mobile deposit” and the date on the front of the check. Have to contact the source of the check. In the Chase Mobile ® app, choose “Deposit Checks” in the navigation menu and select the account. Archived. I could get hit with a fee for a bounced check or worse. You should keep the check secure for 5 days before tearing it up. I did already try to deposit it, and the bank teller was just like 'nope'. And the judge will get angry at her for wasting their time. See Wells Fargo’s Online … Some banks are also suggesting you add "For Mobile Deposit Only at (Bank Name)" or "For (BANK NAME) Mobile Deposit Only." 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. Do you trust this person? We don't like each other very much. If so you could sign the check then mail to them. 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. Most banks now offer mobile apps that you can download to make your deposit, so you don't have to drive to the bank. Life lesson, don't co-sign an apartment with an SO unless you trust them a lot. Wedding Check Deposit Tips: 1. 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. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Their mobile app is available on both the App Store and Google Play. Message and data rates may apply. 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. So a real estate company is playing funny games with me. Flip over to the back, make sure you’ve signed the check before taking a picture. That is the case for some taxpayers, but most taxpayers have only two options: direct deposit or paper check. Nearly 6,000 institutions offered mobile check deposit to their retail customers, with nearly 80 million using the service, according a 2017 research report by Celent. Can you call the real estate company and ask them to cut the check in just your name? I do not wish to contact her, especially over a petty sum. Technically without an and or an or I believe it’s implied to be or so the teller should have accepted it. 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. Availability may be affected by your mobile carrier's coverage area. When you deposit a check and the funds show up in your account as “available,” it does not mean the check is valid. My bank account paid the rent all 12 months. Nearly 2/3 of banks offer mobile remote check deposit capture, according to a survey. It’s the simplest way to handle the check. 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 … at this point this seems like my only option. Choose an account both you and the other person share, if possible. Join our community, read the PF Wiki, and get on top of your finances! —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. Depositing a check with two names on it. 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. 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. Other restrictions apply. Mobile Check Load [1]. Join our community, read the PF Wiki, and get on top of your finances! They were flabbergasted that a check would just have names printed on it, without any indication of who the check is for. If you have a bank account. 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. This is called a “restrictive indorsement,” and it should prevent you or any other person from cashing the check. 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. I just got the security deposit check from the apartment complex and it has both our names on it with "and" in the middle. ET). If this is the case, call and ask the bank for a one-time exception. Best bet, try to cash it digitally, or take it as the cost of a lesson learned. ", 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. We co-signed the lease. 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. See more details on the T-Mobile MONEY Deposit Slip. Also, do not deposit the check through an ATM and hope that the bank will accept it. Sign in and tap your checking or savings account. Posted by. 9/10 times it goes through just fine. 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. I am the only person who made payments on the rent. The judge will ask your ex if that is true. It is definitely not an option to have her drive all the way to NY to help me deposit a check. Or have them alter the check with the OR verbage. Open up the Capital One® mobile app. Worst that can happen is they reject it. Press question mark to learn the rest of the keyboard shortcuts. This is a fairly common occurrence where I work, and we do the best we can to accommodate the situation. I moved up ahead of her, and she promised to follow up a month later. Depends on the bank, some require in person and some just require both signatures. My bank account made the initial security deposit. I am pretty angry because I feel like they have already tried to make things difficult for me by writing such an ambiguous check. 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