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Home >> Checks/Money Orders >> Checks You Received
Problems with Cashing a Joint Check
My daughter just received a tax refund check made payable to her and her husband. Her husband is incarcerated and they don’t have a joint bank account. He signed a letter and notarized her to take care of the refund, but she cannot get a bank to cash the check. What should she do? |
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If your daughter has or can get a power of attorney from her husband, and that power of attorney specifically identifies the check (issuer, date, check number and amount) and authorizes her to endorse the check on his behalf, she may get a better reception at the bank where she has her checking account. If her bank still won't let her negotiate the check, the only alternative is to contact the IRS or state tax authority, explain the difficulty, and ask whether the check can be made payable only to her (or if two separate checks, each for half the refund amount, can be issued).
If her husband is still incarcerated next year at tax time, your daughter should have the refund direct-deposited to her account. The IRS permits a joint refund to be direct-deposited to an individual account of one of the taxpayers.
Published on BankingQuestions.com 7/12/07
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