Bank of america deposit check into someone else account

I'm currently out of US territory, someone needs to pay me, so he made a check to me, with my name and CHASE account number on it, of course.

Can I ask some other friend to go and deposit that check into an CHASE ATM easily? I want to avoid the hassle of asking my client to send the check by postage, and then use the iphone app or something else.

I hope I can change my client's mind into using wire tranfers or person-to-person quickpay, but before that happens, I've to find a easy way to get those checks deposited without being there in person.

Stainsor

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asked Jun 1, 2011 at 23:34

Not ATM, because for that your friend would need your ATM card, but yes in person in the branch.

If you can have someone who knows your account number come in to a Chase branch with the check - they'll be able to deposit it for you.

edit

A reminder - the check must be endorsed by you or be "for deposit only".

answered Jun 1, 2011 at 23:36

littleadvlittleadv

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Generally, if the check is endorsed "For Deposit Only" with your account number below, your friend will have no problem depositing it on your behalf with a teller. Your friend should not sign your name on the check -- that's against bank policy and possibly the law. A deposit endorsement is sufficient.

If your friend has your ATM card and PIN, he will of course have no problem at all depositing into an ATM.

answered Jun 2, 2011 at 1:41

duffbeer703duffbeer703

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Bank policies vary from bank to bank. Legally speaking, as a general rule identification is not required to make a deposit. Banks are charged with protecting your privacy and your assets. Making a deposit does not require the bank to disclose anything and therefore does not jeopardize either your privacy or assets.

I once made a deposit into my own account. The tellers did not know me and did not ask for identification. It did not matter if I was the account holder or anyone else. They simply don't care where the money comes from (assuming there is no fraud). However, after I made the deposit I asked for my account balance; they then requested identification. There's a fundamental difference between the two--your account balance requires to bank to disclose personal information that making a deposit does not. I have additionally had several people make deposits directly into my account without problem.

answered Aug 27, 2013 at 2:49

Anon4uAnon4u

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The answer I got to this from Bank of America, from calling their help line, is that the proper way to do this is ordering a special endorsement stamp that has the account name, number, branch number, and "for deposit only", at a cost of $24. I specifically asked if a FDO endorsement and same payee/deposit account name would work and the answer was no. Your bank's policies may vary.

That said, anecdotally, on at least one occasion I know I have accidentally deposited a check through the Bank of America ATM without having endorsed it (payee and account name were the same) and it was deposited successfully.

answered May 16, 2016 at 20:14

Depositing a check, unless it's drawn on the same bank, runs the risk of a bounce. So, unless they know you, you can't deposit to someone else's account without their deposit or clear authorization. I once had a tenant who often bounced checks on me, so I cashed them in person. One time, the bank said it wouldn't clear, but the teller kindly told me,"if only he had $10 more." So I deposited $10 and the $600 check was cashed for me. I'm sure the teller broke a law doing this.

Edit - To know how your bank would handle, contact your bank. The other answers below cannot confirm this either way, no one (including me) has cited a government banking regulation. Logically speaking, everyone's experience here is meaningless unless they bank at the branch you have in mind, this is a gray area, and it's worth dropping the dime. There is no other way to be certain.

answered Jun 2, 2011 at 0:46

12

As a workaround, if you feel comfortable asking your client to do this, you could request the client email a close-up photo of the check to you, which you could print out and then deposit using the iPhone Chase app.

Also, if you open an account at a bank/credit union (e.g., Star One) that lets you upload a check photo or scan via the website, you could upload the emailed photo, wait for the deposit to clear, then inter-bank transfer it to your Chase account.

answered Jul 19, 2018 at 3:57

user117529user117529

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honestly all banks across the us require id by the Patriot act it is up to the individual teller on your experience whether or not they know you and that's how people get away without being properly identified. technically they are all breaking the law by not doing so I've worked for three different banks. but it does get infringing on a relationship so typically tellers and managers make exceptions based on how well they know you some banks don't even allow tellers to complete a transaction without inputting each persons Id information in the system.

answered Mar 25, 2014 at 18:20

Can I deposit my check in someone else's account?

How do I endorse a check to someone else bank of America?