Should this happen, the funds will be taken from your account if it is a bad check. There are odd exceptions to this, but the person cashing the cheque would need to already have an account at the bank they are cashing the cheque at - … These protections generally do not apply if you signed a blank check. Just Like Cash . If you lose a check you have signed without filling in the name of the recipient, you should stop payment on the check to try to prevent it from being cashed. Because I still live w/ my parents and they support me so I only use some money out of my paychecks and the rest go to saving for nursing school. Losing, misplacing, or having your ID stolen can make it difficult to perform certain everyday tasks, including cashing a check. Can someone else cash in my stimulus check? In most cases, you only have to enter the account holder's name, routing number and … you have additional protections under federal law. However, anyone can attempt to duplicate these steps if your check falls into the wrong hands. No they can't cash it - banks will only accept cheques paid into an account in the same name as the cheque is made out. My paycheck is lost. Find out more about how we use your information in our Privacy Policy and Cookie Policy. I lost a check written to me. Posted by Jersey_Boy on 2/14/06 2:57pm Msg #97129 SOMEONE ILLEGIALLY CASHED MY CHECK!! What can I do? We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Also, your worry about the check showing up later and being cashed by someone other than the intended recipient will be much less than if the check was lost or stolen. This would be done by having the payee endorse the check (sign the back) and below that write "PAY TO THE ORDER OF JOHN SMITH", and then John Smith can endorse and then cash or deposit the check. First, many companies/ merchants/ entities accept electronic checks online to pay for something. However, I am out of country. Many banks in the US will allow you to deposit someone else’s check in your account – if the payee or the owner of the check has endorsed the check over to you. Do I have to repay the bank/credit union? 1 decade ago. It can take up to 3 months for companies to complete their search. If you lose a check you have signed without filling in the name of the recipient, you should stop payment on the check to try to prevent it from being cashed. It is not legal advice or regulatory guidance. Someone can legally cash a check before the date printed on the front of it, unless you have alerted the bank ahead of time not to. It’s important to us that you receive your payments. How can I still cash my stimulus check? You usually can’t get your money back if someone fills in his or her own name and cashes the check. Hello there, I'm from Chile, and I worked in USA under a J1 Visa on 2007. The question is the following, I did my refund taxes with TAXBACK.COM, they made all the paper work, and I authorized them to received my check. Once the check is signed, if it gets lost it can be easy for someone else to cash it and take your money. You won't get a deduction in 2016 if the check needs to be replaced with a new one UNLESS YOU HAVE PROOF that you mailed the check (like Certified Mail). There have also been cases where family members passed away and their check has not been cashed yet so the question that many are asking is … If the check was not processed as an electronic transfer, you may have protections under state law. You will need to take steps as soon as you realize that someone has cashed a check that belonged to you because banks do limit the amount of time you have to correct the mistake so you can get the money back. Why do I have to pay the bank/credit union back if a check I deposited turns out to be fraudulent. The problem with that is that a bank teller has no idea if the PE endorsement is authentic or not. They can put a stop on your check, so that there is no way a thief will be able to cash it. If the check hasn't already been cashed, then you can request that they put a stop payment on it. Whoever chose to cash the check was either fooled by a false ID or never bothered to check one. Contact your bank or credit union right away. You need to call the IRS toll-free at(NNN) NNN-NNNNand, when asked for an extension, enter 726.If your stimulus check has not been cashed, you can normally get a replacement within six to eight weeks. We realize that it is possible for checks to not make it to the right delivery address or to become somehow destroyed, and we’re here to help. There may be other resources that also serve your needs. This service is a joint venture by the British Bankers’ Association, the Building Societies Association and NS&I. I am elegible for the payment, and on the IRS website it says they'll be sending the check on May 15th. The most common method used to cash a check made out to someone else is to have them sign the back of the check. Most check cashing establishments require you to provide a valid government ID before they’ll cash your check — to avoid using an ID, you’ll need to use an unconventional check cashing method, such as mobile deposit or signing the check over to a trusted friend. However, you can't cash a check made out to the deceased person, as it … It’s important to guard your information carefully to avoid losing your refund. You can change your choices at any time by visiting Your Privacy Controls. The payee on the front of the check must endorse the back of the check. SOMEONE ILLEGIALLY CASHED MY CHECK!! State law generally provides that you are not responsible for a check if someone forged the signature of the person to whom you made out the check. So one of my family members received the stimulus check but they don't have a bank account (and can't open one). To enable Verizon Media and our partners to process your personal data select 'I agree', or select 'Manage settings' for more information and to manage your choices. We do not endorse the third-party or guarantee the accuracy of this third-party information. However, the person or persons attempting to cash the check will have to forge the signature or forge an endorsement to do so. The information on your stub, such as the last four digits of your social, can help a thief to try to gain access to other sensitive areas, such as your 401k. You then indoors right below their name and you can then cash the check legally. 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