Can You Deposit Someone Else's Check in Your Account

Can I Deposit a Check for Someone Else?

Yes, you can deposit a check for someone else.  In this case, sign your name on the top line, then write out “Pay to the order of [recipient name]” underneath. However, some banks do not allow this practice, so check whether the procedure is allowed.

You can deposit the check on behalf of someone, and your check can also be deposited by someone else. However, some things may require financial scrutiny, for example, the bank teller may see the signature and check whether it is the same as in all the checks, or they may also make a phone call to identify whether the check sent is genuine or not. All of this is to check the authenticity of the checks only. Otherwise, there is not a big issue in depositing the checks on behalf of someone.

When you endorse a check to someone else, please follow these tips:

  • Using Slips for depositing cash: The most common and easy to use method is to make sure that the check’s payee is writing the check or the deposit slip themself. In this way, you ensure that there are no discrepancies and differences in handwriting that may cause an identity issue for the bank. You should also make sure to receive a slip after depositing the check in the bank to have a confirmation and a reference number to make the tracking convenient. The bank teller will get the slip and deposit it after checking all the required information.
  • Writing the words for deposit only: when the payee fills out the deposit slip, you can ask them to write the words for deposit only in place of the endorsement area. In this way, it will be confirmed that the slip is made for depositing in the bank. If they cannot write it for some reason, you can write these words on their behalf.
  • Signature method: this option is the least recommended and the least safe while making a deposit. In this method, you sign the deposit slip and hand it over for checking in the bank. However, discrepancies may arise as bank tellers can accuse anyone of signing the title and copying it. Therefore, this method is the least reliable one, and the above two are used commonly.

Now, let us see how do I deposit a check written to my child:


How to deposit a check for someone else

There are a few different ways you can deposit a check for someone else.

1. Use a deposit slip

The safest method for both you and the person you’re depositing the check for is to use a deposit slip. Have the payee fill out the slip with all the pertinent information, and then endorse the check. When you reach the bank, you simply hand over the deposit slip and the check.

The reason this is such a great method is that the payee is responsible for ensuring the account number and all information is accurate. If it is somehow deposited into the wrong account, the liability lies between the bank and the account holder – not you. It also gives the payee greater peace of mind that the money is going into the correct account.

2. FDO

If the payee does not have access to a deposit slip, there is another option: “For Deposit Only” or FDO. In simple terms, the payee endorses the check but only to be deposited – not cashed.

With this method, after the payer has finished writing the check, the payee should flip the check to the endorsement area. On those lines, they should write “For Deposit Only,” put their account number and sign it.

3. Signature method

A person can deposit a check for someone else with nothing more than the payee’s signature on the back, but this brings its own risk. With nothing more than a signature, the person who is supposed to deposit the check could just cash it, instead. Or if you happen to lose the check or have your checkbook stolen, someone else can cash the check.

This might be the simplest method, but it’s definitely not the most secure. It’s best to use one of the other methods listed above.

Related:  What is a Certified Check – and How Do I Get One?

Alternatives to Signing Over a Check

Because the process is complicated and many banks do not allow it, signing a check over to someone should be a last resort strategy.

If you need to pay someone and have a check from someone else, try these alternatives to get the money where it needs to go.

Open a bank account

Bank accounts can be expensive these days. Many banks charge maintenance fees to keep accounts open and many banking services cost money.

These costs have caused a huge number of Americans to be unbanked or underbanked. If you don’t have a bank account of any kind, turning a check into spendable cash can be difficult.

Thankfully, many online banks have checking accounts with no monthly fees.

If the cost of having a bank account is preventing you from opening one, look for one of these accounts.

Taking the time to open an account at one of these institutions will give you a way to deposit checks.

It can also get you access to valuable financial services that you can use to improve your financial health.

How do you deposit a check?

You have many options for how to deposit a check. You can go into your bank and deposit it directly with a teller. Depending on your bank, you may be able to deposit a check at an ATM. Many banks have mobile apps that allow you to deposit a check by taking a picture of it with your phone. You may even be able to mail your check to your bank to deposit, but this method would take much more time than the other options.

5. Use a cashiers check

Instead of writing a personal check, you can deposit a cashier’s check into someone else’s bank account. You can obtain a cashier’s check — also known as an official bank check — by paying the bank upfront for the full amount of the check. The bank then creates the check for the requested amount and lists the intended recipient as the designated payee.

The benefit of a cashier’s check is there is no risk of it bouncing, since it’s backed by the issuing bank’s funds, and a cashier’s check usually clears more quickly than a personal check.

Alternative Ways to Deposit a Check

If you or someone else needs to deposit a check, but you are having trouble getting to a branch, there are other hassle-free ways to solve this problem.

Many banks and credit unions offer mobile check deposits, and you can encourage your friend or family member to use this and then transfer the money directly to you once it is processed. If the financial institution does not offer mobile deposit, check and see if they offer ATM deposit.

In addition, many credit unions participate in shared branching that allows members to conduct business at other credit union locations.

What Is the Process Involved Here?

When you deposit a friend’s check into your bank account, it will undergo a certain process before funds are credited to your account and consequently released. Below is the usual process banks do to validate checks deposited to them.

1. The bank receives your friend’s check.

2. A bank staff will separate the checks they received according to the banks that issued the checks.

3. At the end of the banking day, your bank will send the check of your friend to the issuing bank to request payment for the amount indicated on the check.

4. When the issuing bank receives the check of your friend, it will verify if the check is authentic and not fake.

  • The bank will investigate if the check was written and issued by its customer, who has the authority to write a check.
  • Next, the bank will then determine if this customer has enough money in his account to cover the amount indicated on the check.

5. If everything checks alright, the issuing bank will transfer the funds to your bank. Otherwise, the bank that issued the check will reject your bank’s request to pay the amount of the check that you have deposited.

6. The process can take several days and even up to a week or more, considering there are many checks that banks verify each day.

7. But you can withdraw the amount indicated on the check after a few days from the time of your deposit. Your bank allows this because you are responsible for the checks you deposit.

Can I put the funds in my account when depositing a check for someone else?

You can’t deposit a check into your own account if the check has someone else’s name on it. This is known as check fraud and is a serious offense.

You shouldn’t sign the check and put the funds in your account if your name isn’t present. This shouldn’t be a problem as the payee of the check wouldn’t have trusted you to deposit it if they believed you would take their funds.

5. Deliver the check to the endorsed individual or organization

Once they have the check in hand, it’s ready to be deposited. All you have to do is wait for it to clear.

What if the check is payable to two people?

There are some cases where a check shows two different people as payees. If this is the case, you’re possibly going to need both of these people to endorse it in order for you to successfully deposit the check for them.

You can identify whether one or both of these people need to endorse it by looking at what the check exactly states. The check is either going to state ‘person one and person two,’ or ‘person one or person two.’

Both signatures are required for the endorsement when the check uses ‘and.’ Only one signature is needed if the check uses ‘or.’

Warning: Dont Deposit Signed-Over Checks at the ATM

Depositing a signed over check at the ATM could cause trouble. Thus, ensure that the person responsible doesn’t deposit the signed-over check at the ATM.

This is because if the check is not cleared, i.e., the payer doesn’t have the required funds in their bank account, you will get in trouble.

Though ATMs these days can handle check deposits, they are not as effective at depositing them as they are highly automated.

ATMs are fine for depositing a standard check. But depositing signed-over checks at the ATM should be avoided.

Depositing it personally at the bank will increase the chances of getting it cleared quickly. If there are any discrepancies, you can revisit the bank to check the process, which may not be possible if depositing it at the ATM.

When you are endorsing a signed-over check, you are fully responsible for that check’s legitimacy.

If the payer cannot cover the check you deposited, you may have to pay a returned item fee.

Also, after you deposit a check, it may take a few weeks before the process of transferring funds is settled between the receiving bank and the issuing bank. However, you can get access to the money much before that.


Signing a check over to someone else lets them deposit it into their account, but this doesn’t always work.

Try depositing or cashing the check yourself when you can.

Only sign it over to someone else as a last resort.

If you must sign a check over to someone else, make sure that both the receiving bank and issuing bank allows that type of transaction.