My daughter has a check coming that"s made out to ie: Charlie Brown c/o Brenda Brvery own, we"re mother/daughter. Mom is "Brenda", what can not I deposit or cash it she"s 300 miles away? My financial institution says it should check out "or". Also, the issuing bank(large)states that our financial institution deserve to call for confirmation of funds when the inspect is deposited(to stop a hold) however our bank claims that a phone call is no guarantee, that I should speak to the issuing financial institution in a pair of days to see if the check cleared, information which they might or may not give me, then I speak to my bank and they"ll speak to... Who"s the picky/pushy one here?


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C/O is regarded as your daughter using you and your attend to as a mail speak. If your name isn"t on your daughter"s bank account (the "or"), you can not endorse the inspect for cashing out or depositing and also the bank is within its legal rights not to let you make either transactivity. I don"t recognize about the organize facet of this; verification the check issuer has adequate funds? I am only familiar via holds as soon as managing transactions of 10k or even more. But if the account has more than 10k in it, the host duration has a tendency to be a non starter.

You have the right to send the inspect to your daughter, she deserve to endorse it and sfinish it earlier to you for cashing or depositing. But it"s never wise to be mailing endorsed checks - if it drops into the wrong hands, it have the right to be camelted by anyone.

There"s bound to be someone that functions in the banking industry on these forums who knows the ins and also outs of this.

You are watching: What does c/o mean on a check


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dave_donhoff
13 years ago

Rusty,In my endure, you have the right to "deposit" simply about anything, consisting of a candybar wrapper, if you usage an envelope at the exterior ATM.

They"ll generally instantly crmodify your account initially (and even let you immediately draw it if you have actually equivalent funds they can host till clearing of the check,) and then check on examine clearcapacity later on (and change if its a candybar wrapper... as well as prolly have "a tiny chat" ;~P

Checks not directly made to you are almost always cleared (even if/when you accidentally deposit one that"s made to an totally dif name, without a "pay to the order" or "care of" or also without an endorsement.)

Luck!Dave DonhoffLeverage Planner

(PS, please carry out not ask exactly how I recognize this...... ;~P


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devorah
13 years ago

I"m not certain if this is what you are talking about however I regularly deposit my son"s checks that come for him once he is ameans from home. They aren"t endorsed by anyone, but they are deposited to his account.


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bethesdamadman
13 years ago

I don"t recognize whether this is an analogous case, yet I frequently deposit checks made out exclusively in my wife"s name without bothering to get her to endorse them. I simply compose "For Deposit Only" on the back of the examine and hand it to the teller through a deposit slip.


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mike_kaiser_gw
13 years ago

So sign "Brenda Brown" and also "Charlie Brown" and deposit the examine.

Then soptimal using the C/O on the address. The post office has some create to let letter carriers know who stays at an address (not that many of them care).


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marge727
13 years ago

If you are going to create "for deposit only" on a check; also include the account number. a financial institution newly was sued for depositing the check into the wrong account and they didn"t have to pay because there was no account number on the examine itself, and also the deposit slip got separated.

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bethesdamadman
13 years ago

marge: "If you are going to compose "for deposit only" on a check; likewise add the account number."

I didn"t add the part about the account number bereason I thought that was a offered, however it is great to emphadimension that requirement for the factor you proclaimed.