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Depositing Joint Check into Personal Account

Can a joint check be deposited into a personal account? Where can I find the law that addresses this issue?


If the check is properly endorsed, it can theoretically be deposited to an individual account. However, you should check with the bank involved to determine whether it will accept the check for deposit, and whether the bank would require that the other payee would have to endorse the check at the bank, in person. Banks have their own policies on acceptance of checks for deposit.

Published on BankingQuestions.com 1/30/08