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Home >> Accounts >> Checking Accounts
Cashing a Two-Payee Check
My ex's elderly parents wrote a Christmas check to my daughter (19, living in another state for college) and my son (13 and autistic). They wrote it as "Pay to the order of (my daughter) AND (my son)." The kids have a different last name than mine, my son doesn't have a bank account, and I'm clueless as to how we're supposed to cash this (esp. in light of the fact that the kids can't exactly go to the bank together). My daughter has her own bank account (in another state), and my son is home-schooled so doesn't even have school identification; I'm completely at a loss.
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 Your ex's parents surely didn't mean to cause you this trouble, but the fact remains that the only really good solution involves them. Hopefully, you still have a good relationship with your former in-laws, and that you can both thank them for remembering their grandchildren at Christmas, and ask them to help you with this problem. Perhaps they need to be reminded that your daughter is away at school, or they may not realize that the check needs to be endorsed by both kids. It would certainly not be surprising for them not to realize that banks are more reluctant these days to handle multiply-endorsed checks.
Since you seem to still hold the check, ask the grandparents to write out two separate checks to the kids, and tell them you'll drop the old one in the mail to them so they can void it. Then you can forward your daughter's check to her and take care of your son's check separately.
Published on BankingQuestions.com 1/10/07
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