You must cash the check in person with a bank teller (not at the ATM) if you … In most cases, you need to include a deposit slip and endorse the check. No problem. What can I do or is there a bank that will allow me to set up a joint account without both people being present? No. Use “or” to separate names on the “Payable To” line whenever possible to make cashing or depositing checks more convenient for payees. First of all, your payees won’t get the money you intended for them. wikiHow's Content Management Team carefully monitors the work from our editorial staff to ensure that each article is backed by trusted research and meets our high quality standards. banking joint-account. and Mrs. John Doe” instead of “Jane Doe and John Doe.” If the couple is married but keeping distinct last names, or if the two payees are linked by business purposes, you will need to enter both their full names. According to my bank, if the payee name is different than the name on the account, they *may* deposit it. Your name in the "Pay to the Order of" field. While most financial institutions will accept and cash checks if a payee’s name is misspelled, you shouldn’t bank on this likelihood. If the payee is another person entirely, they can endorse the check over to you specifically by writing on it "Pay to the order of [your name]." The first would be that Spouse A simply endorses the check and someone – Spouse B or any other party ­– can take it to the bank. We don't think much about depositing a check made out to ourselves. This article was co-authored by our trained team of editors and researchers who validated it for accuracy and comprehensiveness. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/7\/78\/Write-a-Check-to-Two-People-Step-1.jpg\/v4-460px-Write-a-Check-to-Two-People-Step-1.jpg","bigUrl":"\/images\/thumb\/7\/78\/Write-a-Check-to-Two-People-Step-1.jpg\/aid7331447-v4-728px-Write-a-Check-to-Two-People-Step-1.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"