US Legal Forms
Legal Resources
Questions & Answers
Banking laws
Is a check with two names considered and/or in South Carolina?

Is a check with two names considered and/or in South Carolina?

Q: Can one person cash a check with two names on it?

Yes, one person can cash a check with two names if the names are listed with 'OR' or without any conjunction. If the check states 'AND,' both individuals must endorse it. Always confirm with your bank for their specific requirements regarding checks with multiple names.

Q: How do I deposit a check with 2 names on it?

To deposit a check with two names, ensure it is endorsed correctly. If the names are connected by 'OR,' either person can sign it. If it says 'AND,' both must sign. Visit your bank to confirm their procedures for depositing checks with multiple names, as policies may vary.

Full question:

In the state of South Carolina if two names are listed on a check one on top of the other is the check considered and or or?

Category: Banking laws
Subcategory: Checking Accounts
Date: 04/07/2025
State: National

Answer:

If a check lists two names without the word 'AND' (e.g., John Doe and Jane Doe), either person can sign it. It's advisable for couples to use 'OR' instead of 'AND.' Having both names stacked on the check is common and should not pose a problem for one account holder when signing the check. This guidance applies to all states.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

What if two people's names are on a check?

If two names are on a check, how they are listed determines who can cash it. If the names are joined by 'AND,' both parties must endorse it. If they are listed with 'OR' or without any conjunction, either person can cash or deposit the check independently. It's important to check with your bank for their specific policies.