Depositing checks while husband is at sea - Ask Rich / Money 101

midkniggit · 10-11-2009, 01:16 PM

We got married very recently (beginning of September), and have a stack of wedding checks. He just went out to sea for a while and we didn't think to deal with them before he left. Some checks are written just to me, some are written just to him, and some are written to both of us. On top of that, some folks didn't realize that I'm keeping my name, so it's a random assortment of which last name they're written to!

We have a joint USAA account that we want all of the checks to go into. Can I deposit everything without him here to endorse checks or no?

NavyHeart · 10-11-2009, 01:37 PM

If you go to the bank and explain the situation they might allow you to deposit them. I've deposited checks that were written out to DH and not me. Most the time they will allow it as long as you aren't CASHING the checks and only depositing them.

~Jules~ · 10-11-2009, 01:39 PM

dumb questions but do you have a power of attorney? If so then you can. Usually they will accept deposits anyway. Just tell them whats going on. Your name is on the account so they should argue.

Kaymara · 10-11-2009, 02:41 PM

Navy Federal requires POA for me to deposit any check with my husbands name on them. His siggy has to be on a check made to him and if I sign without poa it is considered forgery even if he is aware...Call your bank but they may tell you that you need to fax in a copy of POA before you can deposit checks with his name on it. Stupid I know cuz its a deposit and I dunno how strict your bank is but navy fed wouldnt even let me ask them about our car loan and if a payment was due unless I gave them poa

lilygirl0415 · 10-12-2009, 10:53 PM

You should have your hubby's POA which would allow them to deposit checks written to him. You can obviously deposit ones made to you in your maiden name. I would think that your sig on a check made to you with your hubby's last name could also be deposited w/ POA's sig as well.

But alas, I am not a lawyer or a banker... so this could all be bubkus.

soozq · 10-13-2009, 04:36 PM

I ran into the SAME thing. When you go to the branch as long as it's a joint acct you write for deposit only. Navy Fed let me do it that way!
Hope it works out for you!

DakotaCowgirl · 10-13-2009, 04:45 PM

Just write "For Deposit Only" and wham...it goes in.

akangel · 10-14-2009, 04:30 AM

USAA Should have no problem with taking the checks. Can you use the scan at home feature they offer?

10-11-2009, 01:16 PM	#1 (permalink)
midkniggit Junior Member Join Date: Mar 2009 Location: Lexington, KY Posts: 11 Classifieds: (0) Activity: 0% Longevity: 11%	Depositing checks while husband is at sea We got married very recently (beginning of September), and have a stack of wedding checks. He just went out to sea for a while and we didn't think to deal with them before he left. Some checks are written just to me, some are written just to him, and some are written to both of us. On top of that, some folks didn't realize that I'm keeping my name, so it's a random assortment of which last name they're written to! We have a joint USAA account that we want all of the checks to go into. Can I deposit everything without him here to endorse checks or no?

10-11-2009, 01:37 PM	#2 (permalink)
NavyHeart Love is... Join Date: Jun 2008 Location: Me+Him= HOME! Posts: 2,124 Blog Entries: 2 Classifieds: (0) Activity: 53% Longevity: 24%	If you go to the bank and explain the situation they might allow you to deposit them. I've deposited checks that were written out to DH and not me. Most the time they will allow it as long as you aren't CASHING the checks and only depositing them. __________________ Thats how I roll. "How am I supposed to show love to somebody over and over and over, who constantly rejects me?" [John Holt touches the wooden cross, and turns to Caleb] "That's a good question."

10-11-2009, 01:39 PM	#3 (permalink)
~Jules~ ~LiveLaughLove~ Join Date: Apr 2008 Location: Southern California/ Afghanistan Posts: 4,853 Blog Entries: 9 Classifieds: (1) Activity: 69% Longevity: 27%	dumb questions but do you have a power of attorney? If so then you can. Usually they will accept deposits anyway. Just tell them whats going on. Your name is on the account so they should argue. __________________ Going through our first deployment

10-11-2009, 02:41 PM	#4 (permalink)
Kaymara Behind every keystroke is a real person Join Date: Jan 2004 Location: Somewhere over the rainbow Posts: 27,350 Classifieds: (7) Activity: 40% Longevity: 99%	Navy Federal requires POA for me to deposit any check with my husbands name on them. His siggy has to be on a check made to him and if I sign without poa it is considered forgery even if he is aware...Call your bank but they may tell you that you need to fax in a copy of POA before you can deposit checks with his name on it. Stupid I know cuz its a deposit and I dunno how strict your bank is but navy fed wouldnt even let me ask them about our car loan and if a payment was due unless I gave them poa __________________ Surviving deployment #5

10-12-2009, 10:53 PM	#5 (permalink)
lilygirl0415 Senior Member Join Date: Apr 2008 Location: Me Orlando, him Fayetteville Posts: 211 Blog Entries: 6 Classifieds: (0) Activity: 3% Longevity: 27%	You should have your hubby's POA which would allow them to deposit checks written to him. You can obviously deposit ones made to you in your maiden name. I would think that your sig on a check made to you with your hubby's last name could also be deposited w/ POA's sig as well. But alas, I am not a lawyer or a banker... so this could all be bubkus. __________________ Thank you SnarphBlat!! ENGAGED after Deployment #3! oh, yeah THAT.JUST.HAPPENED.

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10-13-2009, 04:36 PM	#6 (permalink)
soozq Member Join Date: Sep 2009 Location: Sunny SoCal Posts: 87 Classifieds: (0) Activity: 8% Longevity: 3%	I ran into the SAME thing. When you go to the branch as long as it's a joint acct you write for deposit only. Navy Fed let me do it that way! Hope it works out for you! __________________ I'm Sue!

10-13-2009, 04:45 PM	#7 (permalink)
DakotaCowgirl MilitarySOS Jewel Join Date: Feb 2007 Location: Here...going to Germany Posts: 7,728 Classifieds: (0) Activity: 58% Longevity: 47%	Just write "For Deposit Only" and wham...it goes in. __________________ "It is endemic of the current culture that those with large stature are overlooked except by vultures. With no regard to the depth of their souls, the height of their passion, and the beauty of their moments." P.J. Pete http://www.thewomanhood.com/forum/register.php?referrerid=1498[/URL] MacGyver can make Chuck Norris out of duct tape and a spork.

10-14-2009, 04:30 AM	#8 (permalink)
akangel Junior Member Join Date: Mar 2009 Posts: 60 Classifieds: (0) Activity: 13% Longevity: 11%	USAA Should have no problem with taking the checks. Can you use the scan at home feature they offer?