Can a cheque be paid into someone else's account?

py6km

A family member (same surname) has a cheque which they would like to pay into my account. Can this cheque be somewhow endorsed by them (sign back?) and then paid directly into my current account?

jonesMUFCforever

If the cheque is crossed (2 lines across the middle) then no.

Open cheques are very rare these days.

regularsaver1

Account payee only so not possible

the only other way is going to back to the person who wrote the cheque and asking for it to be paid to you, or paying in into your relatives account and then once cleared transfer the funds to you

digerati

Banking guidelines as regard cheques:

A crossed cheque with the words "Not Transferable", "Account Payee", or "a/c payee" between the vertical lines means that the cheque should be paid into a bank account of the party named on that cheque. However, a crossed cheque marked "Not Negotiable" can still be transferred to another bank account.

Banks do have some latitude in what surnames or initials are used to match between those printed on the cheque and the bank account to which it's deposited, and so long as the amount is less than £5000, they usually let it through unchallenged provided the family name matches. Counter deposits receive most scrutiny, but automated or mailed in deposits receive far less.

Hope this helps!

jonesMUFCforever

digerati wrote: »

Banking guidelines as regard cheques:

A crossed cheque with the words "Not Transferable", "Account Payee", or "a/c payee" between the vertical lines means that the cheque should be paid into a bank account of the party named on that cheque. However, a crossed cheque marked "Not Negotiable" can still be transferred to another bank account.

Banks do have some latitude in what surnames or initials are used to match between those printed on the cheque and the bank account to which it's deposited, and so long as the amount is less than £5000, they usually let it through unchallenged provided the family name matches. Counter deposits receive most scrutiny, but automated or mailed in deposits receive far less.

Hope this helps!

Who's banking guidelines are those then??

Your last paragraph about latitude may apply to your bank (do you work for one?) but IMO is wrong.

PBA

There certainly is some latitude allowed. though only if the cheque is clearly intended to be for that particular customer (such as typos in the spelling of the name, or cheque in maiden name but account in married name). A cheque should never be accepted if it's clearly meant for someone else. Also agree that deposits through cash machines are far less likely to be checked than over the counter, and assume the same would be true for postal deposits.

John_in_the_city

Depending upon the amount involved, you might just want to post it into your bank using the mail. Typically, this will be inserted into the clearing work for the day and loaded into the high volume cheque reader-sorters without having the scrutiny that a cashier at the branch will apply. HOWEVER, if the value is large (varies by bank) it might be subjected to further scrutiny. Hope this helps.