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Banking » Guides » How To Deposit A Check With Two Names?

How To Deposit A Check With Two Names?

While it's possible to deposit a check with two names on it, if it's designated with “and” and not "or", both parties must endorse the check.
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: April 1, 2025
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: April 1, 2025

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table Of Content

Can You Deposit A Check With Two Names?

Yes, you can deposit a check with two names on it. The process for depositing such a check, also known as a joint check, will depend on the type of account you have and how the check is written.

When you deposit a check with two names on it, it can be designated as either an “and” or “or” account. An “and” account means that both parties must endorse the check for it to be deposited, while an “or” account means that either party can endorse the check and deposit it.

Merrill Edge mobile check deposit
BofA & Merrill Edge mobile check deposit (Screenshot taken by our team from Merrill Edge app)

Why “And” Instead Of “Or” Makes It More Complicated?

When a check is designated as an “and” account, both parties must endorse the check before it can be deposited. This can be more complicated because both parties need to be available to sign the check. For example, if one party is out of town or unable to endorse the check for any reason, it can delay the deposit process.

On the other hand, when a check is designated as an “or” account, either party can endorse the check and deposit it. This can be more convenient because it allows either party to deposit the check without requiring the other party's signature.

However, it can also create potential issues with trust and control over the funds, as either party can access the funds without the other's permission.

SoFi Deposit Check
Deposit Check on SoFi (Screenshot from SoFi)

Can I Deposit A Joint Check To My Account?

Banks may accept checks with two names on them even if there is no joint account between the parties named on the check. However, the bank's policies and procedures may vary, and it ultimately depends on how the check is written and endorsed.

If the check is written with the word “or” between the two names, either party can endorse and deposit the check into their individual account.

Truist Mobile Check Deposit
Truist Check Deposit (Screenshot from Truist Bank app)

However, if the check is written with the word “and” between the two names, both parties must endorse the check before it can be deposited, regardless of whether they have a joint account or not.

If you're depositing a joint check into an account that is not jointly owned, you may need to get permission from the other account holder before depositing the check.

Additionally, if you're depositing a joint check into a business account, there may be additional requirements or paperwork needed.

Deposit A Check With Two Names
The most important thing: does your check designated with "and" or "or" on the "Pay to the Order Of" line. (Photo by jwohlfeil/Shutterstock)
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How To Deposit Or Cash A Check With Two Names?

To deposit or cash a check with two names on it, also known as a joint check or two-party check, you will need to follow these steps:

  1. Endorse the check: As we explained above, if the check is written with the word “or” between the two names, either party can endorse and deposit the check into their individual account. If the check is written with the word “and” between the two names, both parties must endorse the check before it can be deposited. This means that both parties will need to sign the back of the check.

  2. Bring the check to your bank (or check cashing location): If you can't do it through your bank mobile app, you'll need to bring the check, along with your identification and any necessary account information, to your bank or credit union. Depending on the bank's policies, they may require both parties to be present or to have a joint account in order to deposit the check. Note that check-cashing locations typically charge a fee for their services.

  3. Fill out a deposit slip: If you're depositing the check into an account that is not jointly owned, you will need to fill out a deposit slip with your account information and the amount of the deposit.

  4. Hand over the check and deposit slip: Give the check and deposit slip to the teller, and they will process the deposit for you. Alternatively, you can consider doing it through ATM. If you're using a check-cashing location, you will need to pay any fees associated with cashing the check.

The process for depositing a two party check can vary depending on the specific circumstances and the bank's policies.

Chase mobile check deposit
Chase mobile check deposit (Screenshot from Chase app)

In Which Cases The Bank Won't Accept Your Check?

There are several reasons why a bank may not accept your check. Some of the most common reasons include:

  • Insufficient funds: If you do not have enough money in your account to cover the amount of the check, the bank may not accept it.

  • Stale-dated check: If a check is dated more than six months ago, the bank may not accept it.

  • Post-dated check: If a check is dated for a future date, the bank may not accept it until that date arrives.

  • Alterations or discrepancies: If there are any alterations or discrepancies on the check, such as changes to the amount or payee, the bank may not accept it.

  • Check is not signed: If the check is not signed by the account holder, the bank may not accept it.

  • Account on hold: If there are any holds or restrictions on the account, such as a freeze or a garnishment order, the bank may not accept the check.

  • Invalid or missing payee: If the payee's name is invalid or missing, the bank may not accept the check.

It's important to make sure that your checks are properly filled out and endorsed before presenting them to the bank for deposit or cashing.

Ally mobile check deposit
(Screenshot taken by our team from Ally app))

Can I Deposit It on Mobile or ATM?

It depends on the policies of your bank or credit union, but in most cases it's possible.

Most financial institutions, such as Chase, Bank Of America, and Citi may allow you to deposit joint checks through their mobile banking app or their ATMs. However, they may require both parties to have an account. 

Writing Checks to Multiple People: Things To Keep In Mind

If you're writing a check to multiple people, there are a few things you should keep in mind:

  • Write the names correctly: Make sure you write the names of all the recipients correctly on the “Pay to the Order Of” line. If you're unsure how to spell someone's name, ask them for clarification.

  • Use the correct conjunction: The conjunction you use when writing the names on the “Pay to the Order Of” line is important. If you write “and” between the names, both parties will need to endorse the check before it can be cashed or deposited. If you write “or” between the names, either party can cash or deposit the check.

  • Keep a record: Keep a record of the check, including the check number, the date, and the amount. This will help you keep track of your expenses and can be helpful in case of any disputes.

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor.

While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.