Can I deposit a check for someone else, even without their signature?
You may deposit a check for someone else even if you don’t have the Payee’s signature. Most banks allow deposits without the Payee, but you will need authorization for withdrawals. Fill out a deposit slip or write the account number and ‘for deposit only’ on the back of the check and take it to the bank.
Imagine, sending someone else to deposit your check because you can’t make it. The bank doesn’t give you any trouble and you get access to your money.
Depositing a check for someone else is easier than you think.
Luckily for you, I’m going to show you how to deposit a check for someone else. I’ll even give you some of the best ways to deposit a check without the Payee present. You’ll be able to get your check deposited in no time, without hassle.
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Can I deposit a check for someone else?
It is possible to deposit a check for someone else, even without their signature. Fill out a deposit slip or write the account number and ‘for deposit only’ on the back of the check. Most banks will have check deposit boxes or allow you to deposit a check at an ATM with your bank card.
In general, most banks do not care if you are depositing money into someone else’s account. Banks do have an issue if you are trying to withdraw money without proper authorization.Click to Tweet! Please Share!Click To Tweet
How do I deposit a check for someone else?
Joint account owners can deposit a check for someone else without issue. Non joint account owners can fill out a deposit slip or write ‘for deposit only’ and the account number on the back of the check. Banks may offer alternative deposit solutions like check deposit boxes, atm deposits, or mobile app deposits.
Be an account co-owner
An account co-owner or joint ownership on a bank account is the easiest way to deposit money. You both have ownership, so you both can deposit money into the account.
However, being an account co-owner isn’t necessary. There are plenty of other methods for depositing a check without the other person.
Check drop off locations
Consult your bank to find out if they have any check drop off locations. Most banks offer a drop off location as a convenient and free service to members. You can drop your check off without talking to a bank teller.
Check drop off locations are little mailbox style for quick check deposits. The boxes have security envelopes that work as a deposit slip. Simply fill out the envelope and slip your check into the box.
The bank will typically empty the box at the end of the night. Most checks are entered into the system and available for viewing the same day on your online banking.
My credit union has check deposit boxes in the entryway at each location. All you need to do is fill out a deposit envelope and slide the check into the envelope. Alternatively, you can write your account number on the check and then place it into the box.
Visit a bank teller with deposit slip
You can always deposit a check if you have a filled out deposit slip. Have the Payee fill out the deposit slip in advance, before you go to the bank. Hand the deposit slip and check to the bank teller, who shouldn’t even ask you for identification.
Visit a bank teller without deposit slip
You can also deposit a check for someone else even if the Payee didn’t fill out a deposit slip. Instead, have the Payee sign the back of the check and write ‘for deposit only’ with the account number on the back of the check.
By signing the back of the check, you’ve officially endorsed the check. Endorsing means you’ve given up your rights to the check and anybody can cash it. Therefore, it’s important that you remember to write ‘for deposit only’ with your account number.
Endorsing a check and failing to write ‘for deposit only’ and the account number could be a costly mistake. The depositor could lose the check and then anyone who finds it could deposit the cash.
Deposit a check at an ATM
You can also deposit a check at an ATM, but you will need the Payee’s bank card and PIN number. Some ATM’s allow for check deposits, which starts by entering in your ATM or debit card into the machine. Follow the on screen prompts for depositing a check via ATM.
Mobile app deposits
You may not even have to go to the bank for someone else with mobile app deposits. Instead, have your Payee download your bank’s mobile app and look for a feature for mobile check deposits.
Mobile check deposits work by taking a picture of the check with your smartphone, through the bank’s app. The picture is then uploaded to the bank’s system and your account is credited with the money.
However, it’s important to hold onto the check until you can confirm the check has been deposited. The bank may reject the transaction if they cannot make out the details on the check.
The last thing you would want to do is throw away your check and have the bank reject the deposit.Click to Tweet! Please Share!Click To Tweet
Summary: Can I deposit a check for someone else?
As you can see, it is possible to deposit a check for someone else. All you need is the account number to deposit a check. Most banks only have an issue if you’re trying to take money out of someone’s account.
The easiest way to deposit a check is to be a joint owner on the account. You both have ownership, so there’s no questions asked. The Payee can always do an online money transfer later, if necessary.
Keep in mind, it is not necessary to be a joint account owner.
Some bankers offer check deposit boxes. Simply visit the box and put your check into the security envelope, with the account details. The check should be entered into the bank’s system overnight.
You can take the check to the teller, with our without a deposit slip. If you don’t have a deposit slip, have the Payee write ‘for deposit only’ and account number on the back of the check. To ensure it get’s deposited, endorse the back of the check by signing it.
Keep in mind, endorsing it makes it so anyone can deposit or cash the check. Therefore, it’s important to write the account number and ‘for deposit only’ to ensure you receive the funds.
Banks may also offer ATM check deposits or mobile app check deposits. These methods can be a convenient way of depositing checks. ATM check deposits will require the bank card and PIN number of the Payee.