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  1. #1
    Join Date
    Oct 2013
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    5

    Question Can Check Made Payable to Two People Be Cashed by Only One of Them

    My question involves personal finance in the State of: Hawaii

    If a check is made payable to two people (husband & wife for example), do both of them need to endorse it in order to cash it, or can one of them endorse it & cash it without the signature of the other?

  2. #2
    Join Date
    Sep 2012
    Posts
    1,988

    Default Re: Can Check Made Payable to Two People Be Cashed by Only One of Them

    depends on how it is written.

    Alice AND Bob needs both endorsements

    Carol OR Dave only needs one.

    Eve AND/OR Frank only needs one, functionally equivalent to OR

  3. #3
    Join Date
    Sep 2010
    Posts
    19,431

    Default Re: Can Check Made Payable to Two People Be Cashed by Only One of Them

    While Lehk is correct, I've generally found that banks will cash two-party checks when the parties are husband and wife with little scrutiny. It's even less likely to be noticed now that you can frequently make deposits without human intervention. Now a check made out to you and a finance company usually attracts red flags (the bankers keep an eye out for their own).

    Of course, once it's cashed by one of the parties, you're pretty much going to have to sue them if they did so improperly. The banks won't get involved.

  4. #4
    Join Date
    Mar 2013
    Posts
    17,513

    Default Re: Can Check Made Payable to Two People Be Cashed by Only One of Them

    Quote Quoting natwhit
    View Post
    My question involves personal finance in the State of: Hawaii

    If a check is made payable to two people (husband & wife for example), do both of them need to endorse it in order to cash it, or can one of them endorse it & cash it without the signature of the other?
    Why wouldn't both endorse it?

    Is one of you trying to hide the money from the other?

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