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My son got a cheque from the Canadian government, but he lost his ID. Instead of taking the cheque to Money Mart which charges a lot of money when they cash cheques, he signed it over to me, I signed it, and I gave him his money. Could I get into trouble for this? If the bank thinks this is wrong, can they put a hold on previous cheques I cashed for him?

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I am not Canadian, but I am posting this as an answer rather than a comment so it can be downvoted as necessary.

Strictly speaking, you aren't cashing your son's cheques. You are cashing the cheques that he has signed over to you: they are your cheques at that point. I think the only wrinkle would be if your son wasn't allowed to sign the check over to a third party in the first place, though I can't imagine why that would be the case.

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    In the US, IRS refund checks cannot be cashed over the counter or endorsed to someone else. Perhaps refund cheques from Canada Revenue have similar restrictions. Sep 12, 2020 at 16:46

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