Can you deposit a check into your account if it's made to someone else?

My sister does not have a bank account yet but she gets checks from work. I was wondering if I could help cash her checks for her with my account after she's signed the check? It would be better than to have to pay the fee. And if I was able to do that, would I be able to deposit the check into my bank account

My sister does not have a bank account yet but she gets checks from work. I was wondering if I could help cash her checks for her with my account after she's signed the check? It would be better than to have to pay the fee. And if I was able to do that, would I be able to deposit the check into my bank account through an atm machine? Don't tell me to get my sister a bank account because my mom won't let her until she's eighteen. It's weird but that's the truth. Please just answer this question for me. THANKS:)

Best Answer:

Jessica: I owe back taxes, so any $$ I have in the bank that's in my name, is subject to garnishment. I use my GF's acct to cash my checks by signing my name, then she signs it, then we deposit it on the ATM machine. We tried walking up to the bank teller, but they refused my check due to bank policies. When we started using the ATM machine, they processed the checks so fast, they don't stop to check and make sure the check is made out to whom ever the acct belongs to. Been doing this for over 2 years now, and the bank still hasn't realized the checks she's depositing on her acct (through the ATM machine) are not made out to her name.

RE SiriusMary's posting; its only accts that pay interest, like savings acct, money market certificate accts, etc… that are subject to IRS reporting. Unless you have an interest-bearing checking acct, deposits (and balances) into checking accts are not reported to the IRS. Your checking acct is only subject to review during an IRS audit, when they're investigating unreported income to evade paying taxes.

Other answer:

Jessica:
She can sign the check over to you
Stan:
It's a bad idea because there might be a problem with the check in question. However, just have your sister sign it on the back then you sign your name and make the deposit into your account. I suggest you wait 7 business days before you cash it for her
Julie:
you can but perhaps your sister should open her own account…
Ann:
you can deposit it into your account, but your bank will hold it until it clears and that could take a week or longer
Thomas:
Yes.
Beverly S:
You can but it will take a few days before it clears & she can get her money..
D J:
You can but perhaps your sister should open her own account.
Kathy S:
If that person endorses it before you do, yes

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