How do you make out a check to transfer money from one checking account to another?

You can make it out to either yourself or cash, but not to the bank. The name on the check just must match the name on the depositing account.

I don't know why you could not transfer it. It is just a computer entry on the part of the banks. Parents give large gifts to children quite often this way, you could be buying something like a car from the other person, paying off a loan or debt, etc. Tens of thousands of people deal in these large amounts nowadays. The bank(s) and Treasury Dept. may give it the once-over, but that would be transparent to you. Doubt any red flags would be raised bc the money has already been certified (so to speak) clean by being in your bank account. Edit: no reporting needed if it is a gift less than $13,000.01. Payments for services may need to be reported (if an independent contractor). Sales or use tax may be due (via report) depending on your state's laws.

A lot of banks will not allow this. It's a flag for potential check kiting-that is, a process where you transfer money back and forth between accounts via check when there actually isn't money to fund the checks. My recommendation would be to just withdraw the cash from one and deposit into the other. Otherwise, you'd have to ask your bank directly if you can deposit it with a check and who to make it out to.

And almost all of them will put the check on hold.

It will depend on the banking regulations of each bank. Usually you can just withdraw the cash from one bank account and deposit it in the other bank account. If you want to have a good paper trail just write the check to cash. Since most banks are trying to go paperless, I would just withdraw the cash. I just did this a week ago and it worked fine.

You just write it out to yourself, but if you are already neg. in your account the check will not "clear" in time to stop the overdraft fees, and most banks charge the fee as soon as you go below your balance so it may be too late. You need to deposit cash

Just write the check to yourself or the co account holder if there is one.

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Yeah I've done that. Write a check to your name. Then, deposite the check. Easy. :-)

You could make the check out to yourself.... I think when you make it out to cash it might have to be the same bank.... Not sure... Happy Holidays....

If it is going between two banks, make it out to yourself.

why not just withdraw the money and re-deposit it into the other checking account...this will eliminate any red flags....