How to Cash an Endorsed Check
No matter what type of bank account you have, it is important to understand the policies and procedures surrounding the acceptance of checks. In some cases, you may receive payment in the form of a check that was originally made out to someone else. When this happens, you need to make sure the original payee of the check properly endorses that check over to you. If the endorsement is not made correctly, the bank might refuse to cash the check without the original payee present.
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Instructions
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Check the endorsement on the back of the check to make sure it is correct. The endorsement should read "Pay to the order of," followed by your full name as it appears on your identification documents. The original payee of the check must then sign under the "Pay to the order of" line.
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Visit your local bank branch with the check. Have your driver's license or other official identification ready, as well as your account number.
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Give the teller your account number and say you wish to cash the check. Hand the check to the teller and provide your identification when asked. Depending on the funds availability rules of your bank, you might be able to cash only part of the check if its amount is more than the amount in your account. For instance, if you have $100 in your account and the check is for $500, you might be able to cash only $100 and have to deposit the remainder. After the deposited check clears, you will be able to withdraw the rest of the money.
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References
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