Said It Here

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.

Overview
People affected2 accounts across 1 forum
Workarounds found5 items attempted
Community agreement2 total upvotes

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

Found another way around this?

Share your steps and trade-offs so fellow engineers don't have to reinvent the wheel. No account required.

  1. 1
    Trying to deposit or mobile deposit the check with only one signature
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  2. 2
    Calling the bank to ask how to proceed
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  3. 3
    Adding the other person to the bank account
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  4. 4
    Mailing the check back and forth for the other person to sign
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  5. 5
    Getting the check reissued
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Tried another approach not listed above?+ Share your workaround ↑

In their words

Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.

r/personalfinance2 people · September 2026

“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 ↗

Altruistic_Zebra_249 · r/personalfinance · 38 upvotes

“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 ↗

ImProdactyl · r/personalfinance · 1 upvotes

Where this came up

People with this problem also raised