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Decide on a theme, if you want one. Make, buy, or borrow any decorations or music you may need to fit the theme. Send invitations. Mail, e-mail, even phone invites are all acceptable.
Tips and Warnings. Related Articles. Article Summary. Co-authored by Michael R. Lewis Last Updated: June 22, References.
Part 1 of Consider your options. Because of increasing banking and identification security regulations in the United States, you will likely have difficulty finding a bank that will accept a third-party check.
Signing over a check may seem like it would be more convenient by cutting out the middleman, so to speak , but is unlikely to be so anymore.
Look into electronic transfers of funds to your third party, either through your existing bank accounts or a service such as PayPal, if you are seeking another convenient option.
See Part III of this article for other options in this scenario. Confirm that the person you want to endorse the check to, the third party, will accept a signed-over check.
This will improve your chances of success, since there are no laws requiring banks to accept third-party checks. Confirm that the third party's bank accepts such checks and know the bank's particular procedures.
Some banks have enacted their own rules governing these procedures, such as requiring that both parties have accounts at the bank to ensure the funds can be transferred.
Completing the signing process in person may be required by the bank and will almost certainly improve your chances of success regardless.
Bring proper identification, especially if it is not also your bank. Part 2 of Sign the back of the check as usual, except keep your signature in the top section of the endorsement area.
If there are three lines, sign the top line. This is not the time for a flamboyant "John Hancock" signature, because you will need the entire space to complete the process.
Print "Pay to the Order of" and the third party's name in the middle section or second line of the endorsement area. If you are pressed for space, you can try using "FBO" For the Benefit of , but you may want to check with the bank first.
Check for spelling. This applies to both Bank of America customers and non-account holders. If approved, the service is free for account holders.
Bank of America will cash or deposit a third-party check in some cases, but not all. There are strict regulations for cashing or depositing a third-party check due to an increased risk of fraud.
Bank of America Financial Center desks handle third-party checks on a case-by-case basis. The Financial Center manager will assess each situation to determine if the check will be accepted.
If so, the service is free for account holders. Both signers should be present and have photo IDs ready at the time of depositing or cashing the check.
Note that Bank of America and other banks can refuse third-party checks if they suspect fraud or if the signatures cannot be verified. Night Mode.