Can I deposit my son's check into my account as a regular deposit or do I need to add him onto my account?
Even if your son endorses his check over to you, your bank might not want to accept it for deposit. Many banks are reluctant to accept "third-party" checks.
If your son is very young and the payments are Social Security survivor's benefits, it's unlikely a bank would allow your son to be a joint account holder. On the other hand, if your son is older -- a teenager, perhaps -- and his check is from employment, he could either be a joint account holder or have an account of his own. Which of those alternatives will be best will depend on the laws of your state and the practices of the bank.
Discuss your needs with the bank where you do business. They will be in the best position to give you some guidance on how to handle your son's checks.
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