Cheques in married name

YorkshireBoy

adonis10 wrote: »

Most people with a bank account have cheque books, I imagine.

Not these days. When I had 40 plus current accounts I only had one with a cheque book. These days they're most definitely optional.

If you don't want a joint current account then open a joint savings account somewhere instead. Although in your shoes I'd probably be asking for cheques just in one name, or a cheque each for half the gift value.

adonis10

YorkshireBoy wrote: »

Not these days. When I had 40 plus current accounts I only had one with a cheque book. These days they're most definitely optional.

If you don't want a joint current account then open a joint savings account somewhere instead. Although in your shoes I'd probably be asking for cheques just in one name, or a cheque each for half the gift value.

Good plan, will go for the savings account option.

No, we are not asking for gifts in each name, that would be utterly ridiculous.

libra10

SPOWER wrote: »

Who has a cheque book?

Some old pensioner with Girobank?

Focus on your wedding, not gifts.

Patronising and uninformed!

antrobus

IanManc wrote: »

..
And Girobank ceased to exist in 2003.

Err, no it didn't. It simply changed it's name to Alliance & Leicester Commercial Bank.

https://beta.companieshouse.gov.uk/company/01950000

jonesMUFCforever

adonis10 wrote: »

We are getting married next week and have been asked what name we would like cheques to be made out to as gifts. We do not have a joint account and don’t see the need for one so if they are made out to Mr and Mrs xxx, presumably they would only be able to go into the account of the person with the surname on the cheque? Can’t find much info on the bank websites.

Sorry but your assumption is incorrect.
Cheques payable to Mr and Mrs have to be banked into a joint account with the same name.
You will need to open a joint account as discussed in other posts or make one of your existing accounts joint then pay the cheques in.

Good luck for the wedding.

Alexland

So you don't see the need for a joint account but here's the first example of where it would be useful? We use ours all the time.

Robin9

SPOWER wrote: »

Who has a cheque book?

Some old pensioner with Girobank?

Focus on your wedding, not gifts.

The cheque book is not dead - still widely used in Government and business circles.

aau1

adonis10 wrote: »

Good idea but if it did get stolen it is then effectively the same as cash.

Joint account be the way forward it seems.

We are sharing commitments and have a number of accounts between us, seems overkill to have yet another account but if needs must. Also, I don’t get the whole must have a joint account (for reasons other than paying in cheques!) - lived together for 3 years already so
Not like we are going to change the way we share bills, which is 50:50 anyway

You don't need to have another account, just change an existing account to a joint account

[Deleted User]

Have you requested the cheques be made in your married name?

You’ll need to get that changed first before you can open the joint account under the different name.

Plus you’ll need to change names on any other accounts and utilities etc.

Carrot007

adonis10 wrote: »

Good idea but if it did get stolen it is then effectively the same as cash.

Joint account be the way forward it seems.

We are sharing commitments and have a number of accounts between us, seems overkill to have yet another account but if needs must. Also, I don’t get the whole must have a joint account (for reasons other than paying in cheques!) - lived together for 3 years already so

I see you point. Unless you do not want a joint account for some reason (someone's bad credit). Then get one. It is also useful for mortgages and such.


I personally have no other current account other than the joint one. I am not married, nor feel the need. 22 years is all the commitment I need ;-) However that is niether here nor there to your situation. (I do have one savings account, well maybe some abandoned ones too).


FWIW, do not that in 90% of cases the bank will not check the names on the cheque anyway.


Is you do not want a joint account is it too hard to tell people or ask for another cheque. Or indeed no cheque's, it not 1980 is it? Old or not people do not need cheque's these days. (I mean most account do not issue cheque book's anymore, I only ever get them from companies and they get a quick scan in the app).