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My son has a check written out to him. I also have an account in the same Bank. I also have access to his account.

Can I deposit the check in my account?
My son lives in California

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    Unlikely, unless he has access to your account. – chepner Jul 14 '17 at 0:45
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    Any reason you are not depositing the check into his account. – Dheer Jul 14 '17 at 2:50
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If your son endorses the check or better still, endorses it with "for deposit only" and places the account number in the endorsement, it's likely the bank will accept it for deposit. In this manner, you are not putting it in your account, you are putting it in his. I have a family member perform this action occasionally with zero complications and she does not have an account at the same bank.

  • Unless "endorse" means something very different in the US than the UK, why would the son have to endorse the cheque if it's being paid into the son's account? In the UK, endorsing a cheque would allow it to be paid into someone else's account (as the OP seems to want to do). – TripeHound Jul 14 '17 at 8:11
  • That's a valid observation. Anyone can endorse the check with "for deposit only." Thanks for the correction. Regarding putting the money in her account, she would more easily deposit it to his, which she shares and then transfer it to hers. – fred_dot_u Jul 14 '17 at 10:40
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    @TripeHound Perhaps this is a difference between the US and the UK. In the US, to cash or deposit a check, you must "endorse" it, i.e. sign your name on the back. – Jay Jul 14 '17 at 16:57
  • @Jay That makes sense. In the UK you only need to endorse a cheque if you want to cash it or pay it into someone else's account. You don't need to if paying it into the account of the person it's made out to. – TripeHound Jul 14 '17 at 17:00
  • @tripehound, that only works if the cheque is not crossed "account payee only" which basically all cheques are these days (in the UK). – Vicky Jul 14 '17 at 17:18
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If the check is made out to him, he will have to endorse it. Which means that at some point he will have to physically have the check in his hands. At which point, he could probably just deposit it himself.

If there's some problem getting the check to him for him to sign it, you could call the bank and ask if they'll accept it for deposit to his account without a signature. I understand some banks will do this. I would be very surprised if they would let you deposit a check made out to your son to your account. They'd have no way of knowing if your son was agreeable to this or if you were stealing his money.

Traditionally, the person the check was made out to could endorse it, give the check to someone else, and then the second person could endorse it and deposit it to their (the second person's) account. That is, the endorsement would have your son's signature, and below that, your signature. But I understand some banks won't accept this any more, so you'd be best to check before trying it.

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You can simply deposit the check into your joint account. You should be able do that even without his signature. Then you can transfer the money out of that account and into yours.

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