Do I Have to Order New Checks When I Change My Name?

A name change often prompts questions about whether new checks are necessary. Ensuring your banking information aligns with your legal name is an important step. This article addresses the requirement for new checks after a name change, outlining the necessary steps and considerations.

Updating Your Name with Your Bank

Changing your name on bank account records is the initial step after a legal name change. This is a prerequisite before any banking activities, including ordering new checks, can occur under your updated name. Banks require specific documentation to verify a legal name change.

You will need to provide a certified copy of the legal document that facilitated the name change, such as a marriage certificate, divorce decree, or court order. An updated government-issued identification, like a driver’s license or passport, reflecting your new name is also required. Many banks request an updated Social Security card as part of the verification process.

The submission process varies by institution; some banks allow name changes online or over the phone, while others require an in-person visit. You may need to complete specific forms provided by the bank to request the name change. Confirm that the bank has processed your name change on their records before ordering new checks.

Necessity of New Checks

After your name is updated with your bank, obtaining new checks is necessary to align with banking policies and prevent issues. Banks require that the name printed on checks matches the legal name on file for the account holder. This policy helps maintain security and prevent fraud.

Using checks with a mismatched name can lead to complications. Checks may be rejected by recipients, such as merchants or bill pay services, or by other financial institutions during clearing. This can result in delayed payments, inconvenience, and increased scrutiny due to fraud concerns. A significant discrepancy between the name on the check and the account holder’s legal name on file can cause checks to bounce.

Although some older checks might clear in limited circumstances, this is not a dependable practice. Endorsing a check with an “also known as” (AKA) signature is not a long-term solution. Relying on old checks after a legal name change can create administrative burdens and financial disruptions.

Practicalities of Ordering New Checks

Once your name change is processed by your bank, ordering new checks is straightforward. Most banks offer several convenient methods for placing an order. You can order new checks directly through your bank’s online banking portal, by visiting a local branch, or by calling customer service. Some financial institutions partner with third-party check printers, allowing orders through their websites or by phone, often providing more design options.

When placing your order, you will need to provide specific information. This includes your bank account number, the bank’s routing number, and your new legal name. If your address has also changed, ensure the updated address is provided. You can select from various check designs, quantities, and security features.

Delivery times for new checks can vary, ranging from a few business days to two weeks, depending on the vendor and shipping options. Some services offer expedited or rush delivery for an additional fee, delivering checks within one to three days. Upon receiving your new checks, verify that all printed information, particularly your new name and account details, is accurate.