Can I Deposit a Check With My New Married Name?

Receiving a check made out to your previous name after marriage is common. Many wonder if they can deposit such a check into an account associated with their new married name. This is generally possible with the right steps and documentation.

Updating Your Bank Records After a Name Change

After a name change due to marriage, updating your personal information with financial institutions is the first step. Before contacting your bank, update your name with the Social Security Administration to get a new Social Security card. Then, acquire new government-issued photo identification, such as a driver’s license or passport, reflecting your new name.

To initiate the name change process with your bank, provide an original or certified copy of your marriage certificate and your updated photo identification. Some banks may also request your updated Social Security card. This update applies to all financial products you hold with the institution, including checking and savings accounts, loans, and credit cards, ensuring all records align with your new legal identity. Most banks allow you to begin this process by visiting a local branch in person, while some offer options to submit documents via mail, fax, or securely online.

Depositing Checks with a Name Mismatch

You may receive checks issued in your previous name, even after updating your bank records or during the transition. When faced with a check made out to your former name, endorse it by signing both names on the back. First, sign your previous name exactly as it appears on the check, then sign your new married name. This dual endorsement signifies you are the same person and validates the transfer of funds.

If you receive a check in your new married name before your bank records are fully updated, some banks may still accept it, especially with proof of your name change. However, ensuring your bank accounts reflect your current legal name is the most straightforward approach to prevent issues. When depositing such checks, particularly at a teller window, be prepared to present your updated government-issued photo identification and potentially your marriage certificate for verification. Mobile deposit services may also accept checks with dual endorsements, but an in-person deposit is often clearer during this transitional phase.

Bank Policies and Documentation for Deposits

While general practices for handling name changes and check deposits exist, specific bank policies can vary. It is advisable to contact your bank directly to understand their requirements for name updates and depositing checks with name discrepancies.

During the period when your name change is being processed or newly completed, carrying your marriage certificate and updated government-issued identification is beneficial. This documentation provides immediate proof of your legal name change if a bank representative requires additional verification during a deposit. While updating your bank’s internal records is a separate process, having these documents readily available can prevent delays or complications when making deposits.