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lodging a cheque crossed to me into relations account, ie sister, father, brother

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  • 17-02-2015 9:58pm
    #1
    Colash
    Registered Users Posts: 1,377 ✭✭✭


    Hi is it possible to do this. Lodge a cheque crossed to me into a bank account account of a relation with the same surname, an with an account in the same bank, as in BOI?


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    #2
    irishlady29
    Registered Users Posts: 468 ✭✭irishlady29


    No. If cheque is crossed, it can only be lodged into an account in the same name


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    #3
    P. Breathnach
    Registered Users Posts: 12,089 ✭✭✭✭P. Breathnach


    irishlady29 wrote: »
    No. If cheque is crossed, it can only be lodged into an account in the same name
    It's not as absolute as that. It depends on what, if any, words are written with the crossing. If there are no words, or the words used are not restrictive (e.g. "& co.") then the cheque can be endorsed and given to somebody else to lodge in his or her account.


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    #4
    Colash
    Registered Users Posts: 1,377 ✭✭✭Colash


    P. Breathnach wrote: »
    It's not as absolute as that. It depends on what, if any, words are written with the crossing. If there are no words, or the words used are not restrictive (e.g. "& co.") then the cheque can be endorsed and given to somebody else to lodge in his or her account.

    All that is wrote on cheque is a name, the sum in words, and the sum in figures in the numbers box on right of cheque


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    #5
    P. Breathnach
    Registered Users Posts: 12,089 ✭✭✭✭P. Breathnach


    Colash wrote: »
    All that is wrote on cheque is a name, the sum in words, and the sum in figures in the numbers box on right of cheque
    Wot, no signature?

    Seriously, if the crossing is only the two parallel lines with no words written in association with them, then all it means is that the bank should accept it for lodgement rather than exchange it for cash. There is no restriction on the account to which it can be lodged. So the answer to your question is yes.

    You could even spend it in a shop, and the shopkeeper can lodge it as part of the daily takings.


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