Can I Deposit My Husband's Check in My Account With His Permission?

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The process of depositing your husband's check into your bank account is actually quite easy. As long as your husband endorses the check properly, you shouldn't have any problems, barring regulations specific to your bank. Your husband can also have funds from a check deposited directly into your account and eliminate the need for you to actually set foot in a branch office.

Adding Account Users

  • Your bank will usually allow you to deposit your husband's check into your account if you add your husband's name to the account as a secondary user. This usually requires your husband to complete a short account application form stating your husband's desire to have his name on the account and that you give permission for adding his name. The application also serves to confirm your husband's identity to the bank for security purposes. After completion, you can cash as many of your husband's checks using the account as you like.

Signature Still Required

  • Even if your husband's name is on your bank account he must still endorse a check with his signature before you can deposit or cash the check. His signature acts as a form of approval giving you permission to use the check. Your bank will probably refuse to honor the check without your husband's signature since doing so could represent a liability risk for them if you're attempting to obtain your husband's -- or future ex-husband's -- money illegally.

Restrictive Endorsements

  • When your husband's name isn't on your bank account, using a restrictive endorsement can allow you to deposit a check in his name into your account. By writing "for deposit only" on the back of his check, your husband removes the right of the bearer to simply liquidate the check and walk out of the bank holding the full cash amount. A bank is usually more receptive to allowing to deposit a check with a restrictive endorsement because the funds remain in the bank's possession and are easier to control that way should a problem arise with the deposit.

Direct Deposit Rules

  • Using a bank's direct deposit feature on your account usually requires limited paperwork and your husband can have his employer set up the deposit using your bank account and routing numbers. This way the bank receives money from his paycheck automatically, eliminating the need for you to walk into the bank to try to cash a check not in your name. In that situation, all it takes is one teller who doesn't know the proper rules and regulations to thwart your efforts.

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