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many checks beyond 6 months old are no longer valid.
Yes, that's called a "stale date" (I used to be a teller back in the 1970's and early 80's). But this is a new check issued to a person who died two years ago.
I cashed several checks made out to my deceased mother. I have a small estate affidavit and write affiant next to my signiture and photo-deposit it. Never had a problem. I don't think they check endorsements on photodeposits.
Sounds like the check you have needs to be reissued by the entity that initiated the refund.
I would not guess or assume or let anyone convince you that it won’t be noticed, etc., fraud is serious. If the company isn’t helpful, you should seek legal advice (not online). I’d probably go to my personal bank (especially if they know me or can check that I’m a long term customer and ask them if they can recommend a professional consultation. Sadly, this could eat into the amount on the check, but committing fraud is way too expensive.
$400 is a lot to me, but I wouldn’t take any risk. I hope the solution is easy and quick for you! : )
Sounds like the check you have needs to be reissued by the entity that initiated the refund.
I would not guess or assume or let anyone convince you that it won’t be noticed, etc., fraud is serious. If the company isn’t helpful, you should seek legal advice (not online). I’d probably go to my personal bank (especially if they know me or can check that I’m a long term customer and ask them if they can recommend a professional consultation. Sadly, this could eat into the amount on the check, but committing fraud is way too expensive.
$400 is a lot to me, but I wouldn’t take any risk. I hope the solution is easy and quick for you! : )
I swear they don't look at endorsements unless someone claims the check was cashed fraudulently.
I filed an Amended tax return for 2016, the year DH died. It generated small refunds on both Fed and Local taxes. The refund checks were both written to "Athena53 and Mr. Athena53, Deceased". I have a warped sense of humor so I posted them on FaceBook after covering up all personal info such as address and SS Numbers.
I endorsed them with my signature only, deposited them to my account using mobile deposit, and they haven't arrested me yet.
This is the best advice. My brother cashed all the mineral rights checks that came for my mother, signing just his name into his account.
What I did with my mom was I had a small estate affidavit and any checks I just signed my name with (Affiant) next to it and used Chase photodeposit. I didn't have any issues but I suspect noone really checks photodeposit checks. I believe you can only photodeposit checks less than $2k though which should be ok for you.
I would write on the back of the check deposit to and put in the account of the person who would inherit the money and then sign her name as it is on the check and then say by and your name and your title from the will, executor.
Do not know how legal this is but should solve the problem and the correct person will get the money.
I would deposit by mail.
In blue: I did that for a couple checks made out to my dad, post mortem. As above, I was Executor for the Estate of BB Sr., duly appointed by the State of Michigan (w/proof of course from probate).
Never had a lick of trouble. Wild guess, thinking of two examples, thousand dollars in refunds were issued to my deceased dad, one for refundable tickets and other for car insurance premiums pre-paid. End of story.
I would call and tell them the story. Don’t sign anything and deposit, they will claw back. It’s not worth it.
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