Can I deposit a check on behalf of my mom?

Question

I grew up in the tech age and have done all my banking electronically, so i am a little lost.  Yesterday my mother received a paper check in the mail because she was over billed for something when her medical coverage was changed.  My mom is currently in a short term rehabilitation center, after braking her ankle and not being able to use crutches to get around.  My mom has a joint account at Webster bank with my father who is currently at the hospital. I am not on the account in  anyway and do not have power of attorney.  Would it be possible for me to have her endorse the check and bring it to the bank to have it deposited into their account?  If so, what information would I need? I assume their account number, but anything else? And Do I need any paperwork or ID?  I am honestly lost.

Sandy · Accepted Answer

Have your mom endorse (sign) the back of the check and add her account number.
She could also put "For Deposit Only" - so the bank knows it only goes in her account and you're not expecting cash back.
You don't need paperwork or ID

Casey Y · Answer

Why don't you do this the tech way?  Download the app onto her phone, setup the login and do the deposit using the app (if that function is available).

However, as long as you arent requesting any cash and the check itself is made out to her...you should be able to walk in and deposit the check as long as you know her account number.

With both parents unable to help...perhaps get that POA

Eva · Answer

Get a deposit slip from their checkbook. You will be allowed to make a deposit, but that's all.  If they would give you their ATM card and pin, you could deposit it that way as well. You probably should get at least a limited POA for each of your parents. This would allow you to take care of their financial affairs when they were incapacitated.

SumDude · Answer

The bank should allow a straightforward and full deposit (with account number, of course).  You could also be anonymous by using an ATM (with her PIN).

Anonymous · Answer

Fill out a deposit slip put your mother's name on it enter the amount of the check on the deposit slip put her account number on the deposit slip. Her checkbook may have some deposit slips in the back of it. if so use one of them. Sign your mother's name to the back of the check put it in a bank deposit envelope. put the check and the deposit slip inside the bank envelope and drop it in the after hour depository. The money will get deposited into your mother's account overnight and you won't have to deal with any live cashiers or make any explanations nobody will be the wiser.

STEVEN F · Answer

To deposit a check payable to your mother into your mother's account, you only need to be able to IDENTIFY her account. The bank isn't generally a picky about who actually put money INTO the account.

Judy · Answer

Yes, you's just need her signature on the check, and a deposit slip.  You don't need any id.

SCATTY c · Answer

Yes, you can pay a check into someone else's account.  Mum does not need to endorse it in the UK) at least.. The only thing the bank won't tell you is how much is in the account

? · Answer

If she has a ATM card with the bank get her password type it in at the do yourself ATM at the bank hit deposit check the machine takes it and specify in the screen to deposit in checking. Choose one and get the receipt that pops out and her ATM that pops it too

Make sure mom signs the back of the check before you go to the ATM window

If there is no  ATM at get bank she will have to deposit it herself if u r not on her bank account

Anonymous · Answer

Have you considered ...I dunno, asking a representative of the bank?

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Can I deposit a check on behalf of my mom?

12 Answers