It’s wedding season, and our big day is less than 2 weeks away! The gifts are starting to roll in, and some of our fantastic friends have sent us checks! Remember, we don’t care whether we get cash or gifts off the registry, we’re grateful either way. And despite warnings from friends about people who go off-registry and blaze their own trail, we’re really liked everything we’ve gotten so far!
Back to those checks: I know that most people have plenty of their money in their bank accounts to cover their checks, and many also balance their checkbooks so they know to keep a buffer for any undeposited checks. Still, I don’t like to keep people waiting if I don’t need to, so I try to deposit them in a timely manner.
I tend to forget about checks I’ve written after about a week, anything after that and I have to try and remember what they were for. Depositing checks earlier is great, but not expected.
At two weeks, that’s enough time to take a check to the bank. You don’t want it sitting around forever, so that seems like a pretty good guideline. The earlier the better, but that seems to be the most appropriate.
After 2 weeks you’re just being neglectful. With a few exceptions, we all pass by a bank at least once every two weeks, and who doesn’t like seeing the money in their account rather than scribbled on a piece of paper?
Is This Rude?
Well, as our wedding is just weeks away, we’ve gotten a few checks already. The ones addressed to me, I’ve deposited to my ING Direct account (from my phone!), and Lauren has done the same with the ones addressed to her.
Our issue comes when someone gives a check to “Lauren and Daniel Packer” or “Lauren or Daniel Packer.” We plan on combining our accounts, but we’re not there just yet. I figure Lauren should go through her name change first and then combine accounts, so we’ve got to wait until the middle of June to start that process.
I wasn’t sure if we had to wait, but if a check is made out to two people, don’t they both need to endorse it? And since ‘Lauren Packer’ doesn’t really exist yet, she can’t really endorse it yet.
I contacted ING Direct, and as usual, they gave me the answer I was looking for in record time. As long as my name is on it, I shouldn’t have a problem depositing it. So tomorrow I’ll be snapping pictures and depositing it remotely via their new mobile app.
So these checks have been sitting here needlessly for about two weeks now. These people, but what if they had to wait a month to be cashed?
Readers, Should you alert check givers if you’re going to be late with depositing a check? In our situation, should it be assumed that we aren’t going to cash it yet?