Cheques in married name

adonis10

Alexland wrote: »

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.

Good point. Other than this use, I really don't think we would use it as whilst we obviously share bills and costs for stuff that we do together, it is nice to keep our other finances separate. We have nothing to hide from each other but it is nice to retain an element of control over personal finances.

adonis10

!!! wrote: »

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.

Well, only a couple of people asked and we just said in the mr and mrs name - seemed easiest. We won't be in an immediate rush to bank them as it will all go towards our honeymoon which will be next year so we will just change one of my accounts to a joint one as and when we can.


Does the marriage certificate not suffice for banks to change/open an account in joint names?

[Deleted User]

No as you haven't legally changed your name.

adonis10

Carrot007 wrote: »

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.).

No bad credit on either side. Not really necessary, it all comes out of one of my current accounts and my fianc! has a standing order set up to it. Quite simple, straightforward and no need to change. I guess we can just keep the joint account for the mortgage and bills and simply both set up a SO into it. I'm probably overthinking this!

Carrot007 wrote: »

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

In that case I will probably give it a go and see if they accept them. If they do, time saved, if not joint account it is.

Carrot007 wrote: »

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).

Just don't really want or need another account. We share bills by transferring into the account where they come out and then share leisure outgoings or sometimes I'll pay, sometimes she will pay. It's quite a nice setup rather than having this joint account which could (probably wouldn't but I'm sure can in some situations) lead to arguments etc.


We won't be asking people to issue new cheques - it is a nice thought to gift it in the first place and makes it a little bit admin like to request a re-write!


I assume most who give a gift will do so in cash but personally cheque is preferable as our friends had their wedding at the same venue and had some of their gifts stolen (they made the mistake of leaving it overnight so was likely a chancer who walked in early the next day as it is a public venue or a dishonest staff member) - I am sure this is incredibly rare but why take the risk?

gingercordial

adonis10 wrote: »

Does the marriage certificate not suffice for banks to change/open an account in joint names?

It is sufficient to change your name on an existing account - I used mine (a foreign one at that) to do that at various high street banks. You will of course have to satisfy them that you are the person who holds the account - usually done by using a card reader and PIN entry at the counter but may become more stringent with the new requirements soon. I did already have a passport in my new name and had it with me just in case (as well as the old one) but can't recall being asked to show it.

I don't know if it would be sufficient to open a whole new account in a new name - I would imagine for that they'd want to see full ID and everything matching, not the old passport plus name change certificate. So joint first then name change, or just add him on to one of your existing ones?