How to Properly Deposit a Joint Check- A Step-by-Step Guide for Two Individuals

How to Deposit a Check Written to Two People

When you receive a check made out to two people, it can be a bit confusing to know how to deposit it. However, with a few simple steps, you can easily deposit a check written to two individuals. Here’s a guide on how to do it.

1. Endorse the Check:

The first step is to endorse the check. This means you need to sign the back of the check in the space provided. When signing, be sure to include the word “FOR DEPOSIT ONLY” or “FOR DEPOSIT UPON PRESENTATION” to ensure that the bank knows you intend to deposit the check.

2. Determine the Bank Account:

Next, decide which of the two individuals’ bank accounts you want to deposit the check into. If you are depositing the check on behalf of both individuals, you will need to have their permission. Once you have decided, make sure you have the correct account number and routing number ready.

3. Deposit the Check:

There are a few ways to deposit a check written to two people:

• Banking App: If you have a mobile banking app, you can deposit the check using your smartphone. Simply follow the app’s instructions to take a clear photo of the front and back of the check. Make sure the check is well-lit and in focus.

• ATM: You can also deposit the check at an ATM. Some ATMs have the capability to deposit checks made out to multiple individuals. If your ATM does not have this feature, you will need to deposit the check as a single individual and then transfer the funds to the other person’s account.

• Branch: If you prefer, you can take the check to your local bank branch and deposit it in person. Be prepared to show identification and fill out any necessary deposit forms.

4. Verify the Deposit:

After depositing the check, make sure to verify that the funds have been credited to the intended account. You can do this by checking your account balance online or by contacting your bank directly.

5. Notify the Other Person:

Finally, inform the other person that you have deposited the check. This is especially important if you are depositing the check on their behalf. Make sure they know the amount of money that has been deposited and the account details.

By following these steps, you can easily deposit a check written to two people. Just remember to always keep your checkbook and banking information secure to prevent any fraudulent activity.