
When someone writes you a check with your name misspelled, it is not automatically void. The Uniform Commercial Code contains provisions that allow you to cash or deposit a check with misspellings, a wrong name and other identification errors. However, individual banks have their own policies and may refuse to accept a check without proof of identity.
Full Answer
Can I cash an insurance settlement check without a bank account?
You don't necessarily need a bank account to cash an insurance settlement check. If the bank that issued the check has a local branch near you, stop in and let the teller know you want to cash the check. Several retail and convenience stores offer check cashing services.
What happens if a check is cashed in the wrong name?
This common error can be remedied relatively easy by providing your bank with verifiable identification when you attempt to cash it. UCC Article 3 stipulates that a check is payable to the intended recipient of the check, even if the check features the wrong name.
How long does it take to cash a settlement check?
You can cash in your personal injury settlement check at your own bank. ... For up to two business days for checks against an account at the same institution. For up to five additional days for other banks (totaling seven days) For longer periods if reasonable. How can I cash a settlement check without a bank account? The Issuing Bank.
What happens if my name is misspelled on my check?
If your name has been misspelled on your check, you are not alone. This common error can be remedied relatively easy by providing your bank with verifiable identification when you attempt to cash it. UCC Article 3 stipulates that a check is payable to the intended recipient of the check, even if the check features the wrong name.

What to do if a check is made out to the wrong name?
If someone gives you a check and they've spelled your name incorrectly, endorse the back of the check with the incorrect spelling, and then sign your name with the correct spelling on the back of the check.
Can you deposit a check that isn't in your name?
Ask what you need to have them write on the back of the check, and be sure to ask if you both need to be present to deposit it. Some banks require a form of ID from the other person so that they can validate the identity of who is signing over the check.
What happens if you deposit someone else's check?
As long as the phrase 'for deposit only' is present on the check, or it is endorsed with the signature of the payee, you shouldn't be faced with any problems when depositing this check for someone else. This will be bank-dependent since individual banks will make their own policies.
Can I cash someone else's check in my account?
It all depends on your bank's policies. Some banks may not allow you to deposit or cash a check made payable to someone else (a third-party check) while others may have special requirements you'll need to meet.
How Do You Endorse A Cheque When Your Name Is Spelled Wrong?
Don’t worry if your name is misspelled on a cheque; you’ll still get paid. Cheques with errors should be accepted if you can verify you’re the intended beneficiary, according to the Uniform Commercial Code (UCC).
Do Banks Verify Cheques’ Names?
Banks usually scrutinize the name on a cheque, however some banks are stricter than others when inspecting the cheque’s elements.
Do Personal Checks Have an Expiration Date?
The cheque’s date isn’t nearly as crucial as the rest of the document. If a cheque is postdated, banks are under no duty to honor the date on it.
Is it possible to deposit a check if the amount is spelled incorrectly?
If the written amount on the cheque differs from the numerical amount, the written amount is assumed to be correct.
Can I cash an insurance check if my middle name is incorrect?
I received a class action settlement check from an insurance company. The check has my middle initial wrong. Can I still cash it? All of the other information is correct.
Answers
If you endorse the check (leaving out your middle name) and deposit into your own account you most likely will have no trouble (use the ATM automated deposit if possible). If you go to the bank that the check is drawn on it might be a problem (but it might not). The only real way to know is to deposit it and see what happens.
How to endorse a check to John Smith?
This would be done by having the payee endorse the check (sign the back) and below that write "PAY TO THE ORDER OF JOHN SMITH", and then John Smith can endorse and then cash or deposit the check.
Can you cash a cheque?
Literally 'cashing' a cheque (as in, walking into a bank with a cheque made out to 'Cash') should be fine, that's the point.
Paper-only CD from 1995, Bank Went Out of Business
My mom was rifling through some old papers recently and found a CD ("Non-negotiable Time Certificate of Deposit Receipt") that my great grandma put in my name. It was deposited in 1995 in California, but the bank has since went out of business.
is there any safe way to receive small amount of money from strangers online?
I have a sd relationship with someone and he wants to send me a cheque through email but I'm skeptical. I've read that if the cheque is fake, I would have to pay some fee (don't know how it benefits the scammer though).
What's the best way to thank a banker who helped me out with an issue I've had for almost a year?
Hi all! I'm wondering if anyone who works as a banker in a big bank, especially Chase, what is the best way for a customer like me to thank a banker (not the tellers, but the actual personal banker, but I do love the tellers too) who helped me resolve an issue I've been dealing with for almost a year? I want to make sure she knows I appreciate her help and gets recognized somehow.
Visualization of the Evolution of Central Bank Ownership
I decided to build a little dataset that tracks the rather recent invention and rapid proliferation of central banks around the globe. I was inspired by a couple economics papers written by a former central bank manager at the Bank of South Africa (Rossouw 2011 and 2014).
For those interested in sustainable banking
I thought some here may find this helpful, found a cool website (no affiliation) where you can look into and compare different ESG banks. BTW, if you know of other such sites please let me know!
Builder tore into my property with no warning saying the survey said they owned 8 inches of our property
The property next to me was there long before mine but was recently torn down to build 5 condos. This morning, they tore my fence down and started cutting into my property. They told me that the survey showed our property was covering 8 inches of theirs. Coincidentally, they need 8 more inches for wheelchair access.
Coworker is sharing a picture of a girls nudes claiming to be me, should I take legal action?
As the title says, I have a coworker who is sharing a picture of a girl naked saying she’s me to all of my coworkers. Her and I do have similar features and a necklace that looks the same. The thing is I did not take these pictures. You cant see her face either so it’s easy to say she’s me. I’m honestly terrified that I’m going to lose my job.
I was sexually assaulted in AZ and the police got a search warrant for my phone
I am in Arizona. I was sexually assaulted, the assailant was still on my property when the police arrived, & he was arrested. The police took me to the station and asked me to give them my phone. I thought that was a ridiculous request, so I said no. They got a search warrant and took my phone the next day for 24 hours.
I'm about to start a new job, parents plan to force me to tithe
I'm 16, I live in Michigan, USA. I'm with adoptive parents, and have been since I was a year old.
Steven P. Gregory
Interesting. I have been in this situation myself, though I was the executor and the sole beneficiary of my mother's will, which obviously simplified the distribution question. The answer may depend on your state's law and local banking practice.
David Michael Goldman
It can, but the cost to reopen an estate is $50 so it probably doesn't make sense
Eric Lechtzin
Good suggestions from my colleagues. In addition, you should contact the lawyer who handled the estate. Lawyers who handle wills and estates probably encounter issues like this all the time and have a ready solution.
Jordan Michael Ostroff
Try to have it re-issued (at least to the estate), otherwise contact everyone else who is a beneficiary of the original estate and see if anyone has an objection to you cashing the check or splitting it up among the people. Based upon that amount, maybe one last family dinner paid by mom is in order?
Daniel Nelson Deasy
Attempt to have it re-issued. The good news is it is not a ton of money so if you get nowhere, it won't be a huge loss!
What is a check cashing store?
Check cashing stores often specialize in cashing checks for people who don't have bank accounts, need the money immediately or have a check too large for others retailers to cash . Payday loan stores also offer check cashing services without requiring you to take out a loan or payday advance.
Do payday loan stores cash checks?
Payday loan stores also offer check cashing services without requiring you to take out a loan or payday advance. For example, Amscot cashes insurance settlement checks up to any amount. A government issued photo ID is required. Fees vary based on the location and amount of the check.
