You finally get that check you've been waiting on, and your name is misspelled. You may just think you're out of luck and out of money. Never fear, there are simple remedies for depositing checks with misspelled names. Just follow some simple guidelines -- in order -- and you'll have cash in hand in no time. There is no reason to be afraid of tellers, bankers or other officials. Approach them with courtesy, and they will help you solve your problem.
Deposit your check in an automatic teller machine. If the name on the check is missing one or two letters, the easiest thing to do is endorse it on the back -- with your name spelled correctly -- and deposit in the ATM at your bank. Most often, it will go through just fine this way.
Tell the teller. If the misspelling is harder to read than a mere missing letter or two, go to the teller inside your bank and explain your problem. The teller will instruct you to endorse the check exactly as it is made out, with the name misspelled. Then you will be instructed to write your name with the correct spelling below that.
Show the teller your photo identification. If you have identification that also contains a signature, this this even better.
Ask a customer service representative to process the check and hold the funds. If the teller cannot accept the check because the misspelling is too severe, simply ask for customer service. Offer to put the funds on hold until they have time to contact the issuing bank and determine that you are the intended payee. The person who wrote the check actually has the responsibility for ensuring that the check is made out correctly, and his bank will ask him to make it clear who is the intended payee.
- The bank may hold the funds from your check for several days as an added precaution because of the misspelled name.