Bride, Janet, asks, “Will the bank cash my checks, even if they have my maiden name on them?”
Without knowing whether or not the maiden name change notification has been completed, or is still in process…… Without knowing if the marriage has taken place, and “Certified” copies of the marriage license have been obtained….. We provide an overview; hopefully this will assist Janet at this juncture, and that of the bride reading this response. The following scenarios are some which brides have experienced. There are others, but the stage of marriage name change notification can determine the options.
Response To The Question On Bride Last Name Change & Cashing Checks In The Maiden Name
For the sake of discussion – Let us say, that the name change has taken place. Even with certain bank practices being regulated or usual, there can be creative ways a specific bank representative accommodates the paperwork void between single to married.
Scenario 1 - Smaller Bank or Independent Home Town Bank – Check In Maiden Last Name
If the check is made to Janet as the account holder, and in her maiden name, a bank may or may not cash the check. If the bank is not connected with a large chain or is an independent bank in a small town, and the bank representative knows Janet, they may cash the check, even if the account name has been changed. This would be as a courtesy to her as a known customer.
Scenario 2 - Larger or Regional or National Bank – Check In Maiden Last Name
Here, even if Janet is well known by the bank tellers or bank manager, they may not cash a check in her maiden name. This could be especially true, if the name change notification to her bank has been accepted and completed. Or, the bank may allow such a check cashed with Janet’s signing of her maiden, and then her married name on the back of the check. Perhaps, they may expect a combination of maiden and married in one signature, along with first name.
Scenario 3 - New Account With AKA - Check In Maiden Last Name
In yet another scenario, Janet may have a new bank account in her married name. However, she has also temporarily included an A.K. A (acronym for "also known as."), which is that of her maiden name. In this way, both names appear on the bank account, so that checks with only her maiden name can be cashed against the account. Just as checks with only her married last name may be cased. For example – Janet Smith (maiden A.K.A) and Janet Jones (married last name).
Scenario 4 - Keeping the Old Account (Temporarily) & Starting a New Bank Account - Check In Maiden Last Name
Janet may also decide to keep her maiden name bank account, temporarily. So as to allow checks to be cashed against that account. Perhaps starting another account with the new married last name, (in-joint or not in-joint with her husband). Janet might check with her bank for details regarding the possibility of two accounts for the same person, but bearing two different last names.
Tell Me About Your Bride Maiden Name Software
The Name Change Kit For Brides and its software (applicable to every state) includes name change forms, 32 pages of maiden name change instructions, change of marital status organizational tools, video instructions, http://www.enamechangecards.com/ http://www.thenamechangekittracker.com/ and a 1 800 telephone name change assistance hotline!
Follow us at http://www.twitter.com/namechangehelp and Facebook -http://www.facebook.com/pages/The-Name-Change-Kit-For-Brides-Software/318196767160 and http://www.namechangenews.com/ for name change updates!
Wedding vendors may purchase The Name Change Kit With Software wholesale at http://www.namechangehelpers.com/ / or contact us at http://www.namechangemadeeasy.com/ - info@thenamechangekit.com
The above is copywritten by The Name Change Kit for Brides Software - 2011 - Can not reproduce in any form, without the express written permission of the same.
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