How to deposit a two-party check when one person is away
When a check is made out to two people and one person is unavailable or out of the country, banks typically reject solo deposits unless both sign or a joint account is established. Without a joint account or physical presence, people are left unable to cash or deposit the funds before the check voids. Resolving this often requires either adding the absent person to the account or mailing the physical check back and forth for signatures.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Trying to deposit or mobile deposit the check with only one signature
- 2Calling the bank to ask how to proceed
- 3Adding the other person to the bank account
- 4Mailing the check back and forth for the other person to sign
- 5Getting the check reissued
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
“My fiance is unfortunately out of the country and won't be back before the check is voided, and we don't have a joint bank account.”source ↗
“I'm really at a loss on how to work through this without him physically being here.”source ↗
“When me and my spouse got a check back from a home related item, I was unable to deposit the check into my own account. I had to add her to my bank account.”source ↗
Where this came up
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