How do I cash an insurance check with two names on it?
Asked by: Kameron Waters | Last update: December 7, 2025Score: 4.2/5 (52 votes)
Can I deposit a two-party insurance check into my bank account?
The check is made out to a lienholder
If a claim-related car insurance check was made out to you and your auto loan provider, you might be unable to access the funds from the check by yourself. Because it includes both of your names, the check will likely need to be endorsed by you and your lender.
How do you deposit a two-party check without the other person?
If the check is payable to you and your roommate, you will not be able to cash or deposit the check without her endorsement. It may be easiest for you to request that a replacement refund check be issued to each of you individually so that you can cash your portion of the refund.
How to endorse a check with two payees?
In this case, look for the words and or or on the payee line. When the word and is included, for example, Robert and Sally Smith, then both parties must endorse the check. However, if the check is written to Robert or Sally Smith, then only one of the named individuals is required to endorse the check.
What happens if a check is made out to two names with no and or?
The word “Or” allows just one party on the check to control the funds. “Or” is often a better choice for convenience of the payees. A check payable to two parties without either conjunction is subject to the interpretation of the financial institution handling the item.
How do you cash a check with your mortgage company's name on it?
Can I mobile deposit a check with two names?
In this case, the check can be endorsed by both individuals and deposited via ATM or Mobile Deposit into a joint account that both individuals own.
Who deposits a joint check?
Joint checks in general
The check is cut by the payor, endorsed by the payee, and deposited by that payee. When joint checks are involved, two payees must endorse the check in order for that check to be deposited.
Can a single person endorse a check with two names?
Based on legal convention, if the two payee names on a check are separated by the word "and" or any symbol or abbreviation of the word "and," then the bank can require a joint endorsement. In instances where the two payee names are separated by the word "or," then a signature from either one of the parties will do.
Can you deposit a joint check into a single account?
Yes, you can deposit a joint check into a single account. If the check is made out with “and” between the names, both parties must endorse it. If it's “or,” only one person needs to endorse. The account holder should be one of the named recipients on the check.
How do you deposit a check with two names and one is deceased?
Can You Deposit a Check Made Out to You and Your Deceased Spouse? To deposit a check made out to a deceased spouse, you must open an estate (as discussed above) or get an order for a year's support that makes the check the property of the surviving spouse.
Will a check cashing place cash a two-party check?
Bring the two-party check with the correct amount of endorsement signatures and the correct amount of people required to be present to your check cashing place and otherwise proceed as normal to cash the check.
How do I cash a two-party check without ID?
Use your bank's mobile app to deposit the check without an ID. Or, cash the check at an ATM in your bank's network. As an alternative, get a prepaid debit card and deposit the check using the card's mobile app. Or, sign the check over to a trusted friend or family member to cash.
Can you cash a joint cheque into a single account?
If a cheque is made out to more than one person, it has to be paid into a joint account. The most common response from customers is "but we don't have a joint account". If this is the case it might be easier to ask for two separate cheques, or to see if there is an alternative way you can receive the funds.
Can I cash an insurance check with two names on it?
If a check is issued to two people, such as John and Jane Doe, the bank generally can require that the check be signed by both payees before it can be cashed or deposited.
How to endorse an insurance claim check?
What is the proper way to endorse (sign) my insurance check? All persons and/or companies listed as a “payee” on a check need to sign the back of the check exactly as the name appears on the front of the check. This is known as “endorsing” the claim check.
Can I Mobile Deposit an insurance check?
A: You can use Mobile Deposit to deposit checks that are payable to you. You cannot use Mobile deposit for the following: Insurance draft checks. Checks payable to a person or entity other than you.
How to cash a check with two people's names on it?
Checks issued to two people together, such as Pat and Chris Doe, generally need to be signed by both people before the bank or credit union cashes the check or deposits the money. Checks issued to Pat or Chris Doe can generally be signed by either person.
Can I mobile deposit a 2 party check?
Regions Mobile Deposit can accept most check types, including two party (personal), payroll, and government checks. However, some checks are ineligible for deposit through the service, and we reserve the right to reject any check or image in our discretion. See service terms and conditions for details.
How do I put two names on checks?
If a check is made out to multiple people (i.e. multiple payees), look for “and” or “or” in the pay-to line. If the check is made out to “John and Jane Smith,” then John and Jane must both endorse the check. If the check is made out to “John or Jane Smith,” then John OR Jane can endorse the check.
How to deposit a cheque with two names?
Accepting and depositing a cheque
If a cheque is for more than one person or company, it needs to have the other party's signature on the back of the cheque. Or, if someone is giving you a cheque made out to them, it also needs their signature on the back.
What is a joint endorsement?
A joint endorsement is a requirement that both parties to whom a check has been paid sign the back of the check. Otherwise, the bank will refuse to process it. This condition is meant to prevent one of the payees from cashing the check without the knowledge of the other payee.
What does it mean when names are stacked on a check?
Stacked Payee Checks are payable to any one of the Named Payees.
How do you handle a joint check?
The “joint check rule” means that whenever an owner or a general contractor issues a joint check to a subcontractor and the subcontractor's material supplier, the material supplier endorsing and depositing the joint check is certifying that it has been paid all amounts due up to the date of the joint check.
Can you deposit a check if you have a joint account?
Even if you're the one who deposits money into the account, other account owners can spend or transfer the money without your permission. Although, one change you may notice is that when someone makes out a check to multiple account holders, every account holder has to endorse the check before you can deposit it.
Who owns the money in a joint checking account?
Joint Bank Account Rules: Who Owns What? All joint bank accounts have two or more owners. Each owner has the full right to withdraw, deposit, and otherwise manage the account's funds. While some banks may label one person as the primary account holder, that doesn't change the fact everyone owns everything—together.