I did taxes for friend 90 miles away and she authorized state to talk with me regarding tax prep since I understand filings. Refund check is made payable to her c/o me. She does not have a bank and cashes checks at major retail center. They say I must be present in order for her to cash her check. My endorsement alone is not sufficient but I must be present. I say c/o is merely part of address and there is only one payee so only she must endorse the check and be present. Your thoughts?

  • Whose mailing address is on the check, yours or your friend’s?
    – Ben Miller
    Mar 11, 2018 at 5:40
  • 1
    Related: Two names on US tax refund, filed as single
    – Ben Miller
    Mar 11, 2018 at 5:42
  • State tax refund mailed to friend's address. I do not think friend's address is on check but I am positive my address is not on the check. Friend checked box on tax form and provided my name and phone number to authorize me to answer questions about the return.
    – Bill A
    Mar 11, 2018 at 5:44
  • I just confirmed that friend's address is on the check.
    – Bill A
    Mar 11, 2018 at 5:53
  • Thank you Ben Miller. I read your reply to similar question and it clearly applies. I appreciate your input very much.
    – Bill A
    Mar 11, 2018 at 6:08

1 Answer 1


I’m sure you are correct, and if she were dealing with a bank, I don’t think she would have any problem with it.

The check cashing service she is dealing with may have different rules, or it may just be a misunderstanding of the teller she talked to. She should try talking to a manager there.

My final thought: go see your friend.

  • I just realized the question @BenMiller linked is a duplicate and has more detailed answers than this.
    – prl
    Mar 11, 2018 at 6:07
  • Thank you. I am not certain how to mark my question as answered but I consider it so. The retailer is Walmart (I named because I see they are named in another query.) I did talk to a manager and they are pretty ignorant. I will visit tomorrow and play the game. I appreciate your input very much.
    – Bill A
    Mar 11, 2018 at 6:07

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