Deposit it online through your bank app. Take pictures of the check with your phone or tablet. Do you trust this person? Wedding Check Deposit Tips: 1. I do not wish to contact her, especially over a petty sum. Or in other words I feel you're overthinking it. Long story short, me and my ex made plans to move in together in the state of New York. 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). We co-signed the lease. I paid them their half of the security deposit before they moved out. 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. I did already try to deposit it, and the bank teller was just like 'nope'. We don't like each other very much. I moved up ahead of her, and she promised to follow up a month later. My bank says both people need to be present. Mobile check deposits are limited to $50,000 per day for non-retirement accounts and $100,000 for retirement account rollovers. Where you'd say that you put down the money for the deposit and so you considered it your money. OP could also try mobile check deposit first. So a real estate company is playing funny games with me. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Their mobile app is available on both the App Store and Google Play. Archived. Some accounts are not eligible for mobile deposit. Mobile check deposit not available for all accounts. Now since we co-signed, I am assuming I am in a bit of a bind. Her only contribution was co-signing the lease. In the Mobile Banking app menu, select Deposit Checks, then Help for details and other terms and conditions. Most banks now offer mobile apps that you can download to make your deposit, so you don't have to drive to the bank. Nearly 2/3 of banks offer mobile remote check deposit capture, according to a survey. 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. This is called a “restrictive indorsement,” and it should prevent you or any other person from cashing the check. 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. 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. By using our Services or clicking I agree, you agree to our use of cookies. When you deposit a check and the funds show up in your account as “available,” it does not mean the check is valid. Create a joint bank account BEFORE your wedding 2. Have them sign and deposit the check then send you the money. Of course if she put down the money or a part of the money for the deposit, you should return her portion. Not once did my ex make a direct financial contribution to paying rent. 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. 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. Wow! Many banks have low check-deposit limits. Depositing a check with two names on it. That is the case for some taxpayers, but most taxpayers have only two options: direct deposit or paper check. 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. Sign the back of the check and write “for deposit only at Bank of America”. You’ll get an on-screen confirmation and an email letting you know we’ve received your deposit. No credit check. Then are they just messing with me? They don’t do a whole lot of checking on who it’s made out to unless the check bounces. 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. They were flabbergasted that a check would just have names printed on it, without any indication of who the check is for. Long story short, me and my ex made plans to move in together in the state of New York. It had both her full name and my full name. Since both names are on the account, the bank accepts the check automatically. I am pretty angry because I feel like they have already tried to make things difficult for me by writing such an ambiguous check. I used to work for a mortgage company and this situation came up fairly often with escrow refunds. Sign in and tap your checking or savings account. It’s the simplest way to handle the check. Worst that can happen is they reject it. Have to contact the source of the check. 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. 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. Posted by. So am I just SOL? If you have a bank account. Life lesson, don't co-sign an apartment with an SO unless you trust them a lot. Enter the amount of the check and tap "Front". If it doesn't say "pay to the order of" it is NOT a check. ", 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. Sign the back and then write for deposit only with the account number. I just got my security deposit back, except it's a check, not cash, and the check has two names on it. 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. Or have them alter the check with the OR verbage. 2 We encourage you to download the U.S. Bank Mobile … This is a fairly common occurrence where I work, and we do the best we can to accommodate the situation. Press question mark to learn the rest of the keyboard shortcuts. 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. How To Deposit A Check With Two Names. 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. Join our community, read the PF Wiki, and get on top of your finances! Good to know, thanks for finding this. 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. Mobile Check Deposit will only accept standard-sized personal or business checks. Confirm your bank’s mobile deposit limit. I could get hit with a fee for a bounced check or worse. The service is 100% free and there are no fees. If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. Yeah, I've used ATMs with no problem when I do this. The payment giant that everyone knows, PayPal, indeed allows you to cash a check online through their mobile app. Deposit after that, and it may take up to the second business day for the check … The judge will ask your ex if that is true. Open the app, use your fingerprint to securely sign in Footnote 3 and select Deposit Checks. However, consider making your contribution during market hours (prior to 4 p.m. The names are mine, and the name of my ex. The deadline for prior year contributions is 11:59 p.m. 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. Mobile Check Deposit is a free Footnote 1 service available on your Citi Mobile app for iPhone ®, iPod touch ® and Android ™ devices. Load Checks with a Snap. 9/10 times it goes through just fine. You should keep the check secure for 5 days before tearing it up. VO: Schwab Mobile Deposit ™ is the quick and easy way for Schwab account holders to deposit checks from anywhere using a mobile device. What is the deadline for making a Prior Year Contribution using Mobile Check Deposit? guruXOX / Shutterstock Sept. 5, … See if they will agree with your reasoning/remember who gave the deposit, maybe send them bank statement proof it was from your account. 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.