on 25-09-2018 12:44 PM
My husband (A) and I recently got married. We received a cheque made out to A & B Smith, Smith being my husband's surname.
We have a joint Bankwest account, but in the names of A Smith & B Jones (my maiden name).
Would Bankwest accept the cheque? (I can bring the marriage certificate when I bank the cheque!)
on 25-09-2018 01:56 PM
Hey @aroozoo, congratulations on your recent nuptials
It's a bit of a fuzzy one to be honest...there are a few different variables here!
The easiest thing to do (providing you want to) would be to complete a Change of Name at a branch, then bank the cheque. The only thing here is, a Change of Name needs to be initiated in branch, but can take a few days to be finalised. Meaning, you'd potentially need to go back and bank the cheque once everything is updated.
The reason that this is the easiest option, is because you may not be able to deposit a cheque that is technically in a different name, without the payer (and possibly other party to the cheque) first signing the back advising that they authorise this. In saying that, the cheque cannot be marked "Non Negotiable" if this is done, and it is still at the discretion of the teller as to whether or not they are happy to accept it.
I understand that this is probably not the answer you were hoping for, though I do hope it at least gives you an insight on your options. If you'd like, give our Contact Centre a call on 13 17 19 and have them put you through to your closest branch, just so they can get more info on the cheque itself, and confirm for sure if they can help.
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