My husband and I need to cash our tax refund check. He can't be there to endorse it, because he works during the day. What do I do?
Don't endorse the check at all until you've contacted the bank or other location where you want to cash it. Explain the problem and ask for guidance from that business.
In general, many banks require that a jointly-payable check, such as a joint tax refund, be deposited to a joint account of the payees, in which case the bank can accept the check without any endorsement. It can also require that both payees be present at the bank at the time the check is endorsed and cashed to provide documentation of their identities. If the bank insists that your husband must be at the bank to cash the check, he will have to make arrangements at work to make it possible.
For the future, you might want to have your tax refunds directly deposited to your bank account, if possible. Not only does direct deposit avoid the hassle of a visit to the bank, it also gets your refund to you days or weeks earlier than with a paper check.
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Don't endorse the check at all until you've contacted the bank or other location where you want to cash it. Explain the problem and ask for guidance from that business. 