We refused. We believe by providing tools and education we can help people optimize their finances to regain control of their future. The IRS took double the taxes for that year before I was able to prove that I didn't owe it. !

hi,
I've received a check from my home insurance holder for a claim due to water damage on my home, the check was written to me, the adjuster and my mortgage company. ), BB&T (All payees must also be joint account holders. ( we had two years to use it) she has negotiated the only check cashed against the account. chase no problem. If you have not done so already, contact your insurance agent and cancel the insurance policy you no longer want. Something went wrong. The Truist Bank Online Savings Account works best if you can avoid paying the account's $5 monthly service. 1220 17th St Ste 104. Commissions do not affect our editors' opinions or evaluations.
"Amber Kel 3 years ago - Of course it only applies to paper checks. Discard the . ?

So I get settlement checks and a few of my close friends & relatives do but they dont have bank accts so for years I have been depositing them, my signature, theirs, in capital one and no problem. You will typically be required to take a photo of the check. Do you happen to know if there was a check made out to the home owner and the mortgage company, but the home owner then decided to pay off the mortgage so there was no lien, could the check then be cashed with the home owner signing the check with the deed to the house? Does this include direct deposit tax checks (which I assume ARE actually checks sent by the IRS to the bank by direct deposit? Obviously we can't go to a bank together because he no longer lives in the state and the payer of the check won't issue one in just my name and they aren't willing to change the check to have the word "and" to "or". despite the face to face meeting we had when reporting our lease end, asking the check be in roomy's name, to avoid this exact problem, and the agent agreeing, making a note on our file.

who do we sue, the bank or the office? Another option you could look into would be small claims court.

Under the ambiguity rule, she could have deposited the check into her personal account.

Your case is a legal matter where you should speak with a lawyer to claim part of the funds that were paid to your ex-wife.

Under the ambiguity rule, you should be able to deposit the check under your own account.

At this point, the best course of action may be to seek legal advice on how you can reclaim the portion of the funds that belonged to you.

Have you tried having the contractor go with you to your bank branch to deposit the check through a teller? In the other states, the program is sponsored by Community Federal Savings Bank, to which we're a service provider. Without an endorsement, banks or other financial institutions wont accept the check. If this is the case, every payee will have to sign the back of the check to endorse it correctly. Typically, the person receiving the check will need to endorse it. BMO Harris Bank Cash Back Mastercard . This can include more than two joint payees, such as a combination of an insured person or business, attorneys, a mortgagee, an adjuster, or a lienholder. The only alternative would be to contact the payer (the person or entity that wrote the check) and request that another check be written with just one payees name or have it written in the John or Janeformat. Furthermore, all payees must go with you to your bank and present a government-issued ID.. I used money to pay bills, then I got a call from the body shop that said insurance sent me a 2 party check by accident, this wss the check I didn't notice it had another player and the bank let it go thru. Order checks; Interest rates. When you open a bank account, youre usually asked to sign a signature card so the bank can match the signature on any documents presented in your name (that need to be signed) to your signature. Needless to say, she never paid us back and she packed up and moved out before her lease ended. They will unfreeze my account once it's bn cleared according to them. You can use this service to send an image file of the front and back of each check and the MICR line data to Truist for deposit in lieu of giving We each have longstanding accounts, we each have signature cards on file, money was going into one of two accounts
3. Checks Must Be Endorsed For a mobile check deposit to be processed, it has to be appropriately endorsed. Direct deposit checks of course. With a tiered interest rate, U.S. Bank Elite Money Market pays you more interest for higher balances. Check, originally cheque, acted as a safeguard or a check against forgery or fraud, especially with regard to financial documents. If you change your name or signature, make sure you update your signature card to prevent future problems. Well, we just got the security deposit check back that addressed all of our names, no "and/or" on the check, just commas. me and the company are unable to track how or where the check was cashed. Wise allows users to easily and securely send money online or through the Wise app, often in a matter of seconds. Go over your banks guidelines to be sure that youre endorsing the check correctly. Staying connected with your local branch is easy. I am so embarrassed by the whole ordeal and feel like they have wrongfully treated me with the run around and inconsistencies that are being said to me from different people in their department or different departments.

Ok i just received a tax income for 2016 for state with my ex husbands name on it with mine. We went to another branch, and they deposited it, but called us two hours later and said they couldn't accept the deposit and that I needed to come pick up the check. Before you pen your signature, double-check that the name on the front of the check matches the signature on the back. You can try endorsing the check with just your signature and depositing the check into your checking account. This is done throughout the construction industry.

What if one of the payee is my mortgage company from a Home Insurance check? We'd love to hear from you, please enter your comments. I've looked into attorneys to pursue, however I can only find criminal defense attorney's and I need a prosecuting attorney BUT since the local police haven't responded to my report I do not know where to go? The most problematic situation I've heard about is when the other payee(s) cannot visit a branch to verify the check endorsements. For people who use Truist, want up-to-date news on Truist, have comments, concerns, or work for Truist. 60 reviews. Modern-day printed checks were introduced in England in the 18th century and became the most common way to exchange money in the U.S. by the mid-19th century. On Feb. 19, the merger was set to go through. Dont try to get tricky and deposit these checks via the ATM because it will get flagged and you could get hit with a returned deposit item fee (which costs an average of $12.85 at the top 10 banks) when the check is ultimately denied. Then they backed down from joint account requirement. All Rights Reserved. I wpuld hate to lose money. I hope to make some headway since multiple crimes have been committed.

Thanks for sharing your experience with Santander Bank. Confused as to what the interbank exchange rate is? Duh.

So in 2019 me and my ex did our tax return and the check went to her account and when the 1st stimulus came we were still together but the 2nd and 3rd checks went out we were apart and the money was deposited into her account and me and our son that I have custody of didn't receive our part of the stimulus. of payout account, she refuses to sign with me. My son's fianc walked out. For printed checks to meet industry standards, youll need a specialized printer with magnetic ink, check-printing software and check stock paper. In many cases, you can obtain a small number of personal checks for free from your bank. In the rare instance that you ever receive a check that is written out to you and another person, it can be a major headache to deposit the check if you dont share an account with this other person. Learn the check-cashing fees at the largest U.S. banks and find out how you can cash a check without a bank account. Unfortunately, this will prove to be a laborious chore, especially when it comes to getting government-agency checks reissued. Be careful: I strongly advise against attempting to deposit a check without having a teller verify the signatures of all payees. Wise US Inc is authorized to operate in most states. The check was actually drawn from a bofa account. With a restrictive endorsement, you have control over which bank account the check ends up in. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. In college I worked as a BOA teller and I'm now an Attorney with some knowledge of commercial papers and presentment warranties.

What put me in a difficult position was that the teller could not clearly explain why it was their policy. If you dont include a phrase to this effect, a bank can reject the endorsement attempt. The teller said it was so it can be cleared. Endorsing in this context means signing the back of the check. Im trying to figure out what could be wrong with my deposit. Truist fix your shit. been hospitalized? In most cases, you will turn the check over and sign above the line on the back of the check provided for a signature. The Truist One Savings account can be opened with a $50 minimum deposit, and it comes with a $5 monthly fee that can be waived through any of four ways: maintaining a . Apparently I need to get a signature verification at the bank, then send the check back to the law firm for them to deposit, then have them issue me a new check made out to just me. It was endorsed by everyone but the aggravating teller told me everyone had to be present with their IDs. As agreed and had since jointly filing.

having the same issuse so the auto body endorsed it and u signed it and just deposisted it?

I was issued a 2 party check from my insurance company. My wife does all of that. Hanna & Plaut: To Protect Itself, Insurer Must Consider Agency Principles Before Issuing Payment to Joint Payees. That means you also need 2 forms of ID with you when depositing, i.e drivers license and birth certificate. I also read your previous article regarding the same topic 2 years ago. It has my wife's name + (literally ) my name written on the check. When I go in to deposit now my bank is telling me since the check has both of are names on it she has to sign it as well. However, if the check is made out to both you "and" another person or institution as opposed to you "or" another institution, the other payee's signature might be required by the bank you are depositing the funds into. I emailed them my situation and actually got a reply that they are going to get a status from the Officer I filed my report with. First they lied and said new UCC (legal) requirement. Please review the privacy and security policies of web sites reached through links from BMO web sites. You can just deposit these checks as if they were written only to you. She has managed academic and scientific journals, and worked as an editor and writer for various magazines and newspapers, though remains most at home collaborating on projects in the lifestyle and wellness space. The lady I had spoke too said did I know the ppl on the checks, DUH, and that she would need everyone of their phone numbers which I didnt feel comfortable doing until I asked them, then she said the checks would have to be sent back, umm they were mobile checks. I just went to an ATM and deposited there and it was available the next day :D

Those two seem to be the most common incidents for multiple payees. For now I'm keeping custody!

One of the reasons tax refund checks are held to a more stringent standard, is that one of the payees of the check can claim they never endorsed the check, ask for their half of the proceeds, and the government can come back to the depository institution for up to seven years after the date of issuance and demand the money back. Both payees cannot be present at the same branch together, so the bank cannot verify their signatures. Only applies to paper checks. They did send me a check, but it was also made out to our general contractor. My question since the first check was only signed by me and they let me deposit with out her knowledge. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. We both then physically appeared, and showed valid photo IDs

We were told we had to open joint account (is this the Wells Fargo scam, lets create as many accounts as possible so we can trick shareholders into thinking we are growing? I have a pfa and no contact. When and how to void a check. If you dont endorse a check, the bank wont be able to process it. I have a checking account at PNC Bank but it is in just my name not his.. ( believe me most women don't want their significant other to be on their bank accounts because men have a way of not keeping track of what they spend if you know what I mean) anyway I tried deposit the check through the ATM, as I have done with all my checks in the past, and they accepted it the next day but then the following day took the funds back out and declined my check and gave it back. There was an overpayment of escrow of almost $2000. If the payee line simply reads Bob Smith, Juanita Morales, you should have both parties endorse the check to be safe. Well my husband and I are over 60 years old now and he has misplaced his social security card so I am now having to request it through Social Security Administration. According to BB&T, the branch can make its own decision. To endorse a check made out to a child who can't yet sign their own name, you should first call your bank or visit its website to understand its requirements. and says both payees must endorse. If you receive a check, you wont be able to cash it in until you endorse it. what can that person whose name was also on the check do?

Ok so apparently a Walmart employee at the Walmart were I purchased my money gram money order deposited the money order that was sold to me to there bank act mobile blank to Wells Fargo so wen I wrote the money order out to myself n tried to cash the money order it bounced in my act and I had to jump thru months of runaround from moneygram to get proff the money order wasn't cashed by me n the directed me bk to wells fargo I fussed with them because I thoygh they told me they didn't collect the funds and wen I went to wells fargo about it the banker told me it was cashed blank as a mobile deposit the day I purchased it n they told me to report it with Walmart now I feel the bank is responsible for this fraud because there was no signature no person name or address it was blank as a mobile deposit that is a big issue about them letting ppl get away with committing fraud with they bank because no other institution would cash a blank money order am I correct

My husband is in jail and has been since may of 2020 our stimulus check was deposited in his account but it also has my name on the check as well as his the bank is refusing to return the check to the irs and won't give me access to the money even though it has my name on it as will is this legal it isn't a joint account are they allowed to keep the check

Hello my wifes economic stimulus check was sent to our home address but shes incarcerated in another state and we dont have any accounts with her name on it .I guess the check is worthless and I cannot do anything with it.I have contacted everywhere I could to get a place to cash or deposit it and my own bank I have had for over 20 years will not touch it unless shes with me to deposite it or open an account iam at a loss of what to do .I even tried to get her name on my account and again she has to be physically there to do so.and they told me even if we had a joint account she still needs to be physically there .They told me it's a crime for me to sign a stimulus check because Gov checks cannot be signed over to anyone .I cant do online because I dont have any of her ids here with me If anyone can be of help please let me know my email address trish591238@gmail.com

On a three payout check what happen if one payee refuse to sign unless he is pay his portion by other means?

Just went to bank of America to deposit a check into my wife's checking account. The house was in both names. Him? He didn't sign my name but did e-deposit it and the bank took it.Do I go to the police and file a report? Both of us endorsed the check, had identification, and my wife was with me, but they refused to deposit it because her name wasn't on the account that I was depositing it in. The adjuster and myself have signed the check but we are having a hard time getting the mortgage company to sign and return the check to me, over the phone they tell me to just deposit the check and that they signature is not required.. Would my bank accept the check if I deposit it? Reviewing how to endorse checks with two payees will help you avoid problems that could delay your cashing or depositing the check. With no explanation why. Rather, legal action would be required to get back the money that belongs to you.

My sisters and brother received a insurance damage check for a jointly owned property. Tia

I had min and my wife's income check come in I signed her name like I always have because she works late and can't usually get buy the bank before they close well the bank cashed the check I gave her ,her half and we have been split for a couple of months now but now she comes back saying if I don't give her another 2000 cash she's going to say I forged her signature what should I do? Of course there will be strict adherence to the negotiable item when it comes to situations where multiple payees are to be paid the funds. It's crazy but I've seen it in court and it happens everyday. Highlights. 2nd round check of 2400$ was deposited on Feb 3rd and 3rd round was deposited on March 17th. I think it's luck of the draw

There is no "&" or "or" on my check just one name and the other name listed underneath it. Miami Beach, FL 33139. Yes, there is a way to deposit a check without endorsing it. With new cards ready to activate and use on Feb. 21. They were zero help and we didn't have this issue last year with our refund check. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. A Forbes Advisor tracking poll found that just 5% of Americans younger than 42 consider check-writing an important feature when choosing a checking account. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. But if youre shopping outside of the recommendations in this article, check that any retailer you purchase checks from is compliant with the Consumer Product Safety Act. Check was made out to "A", "B; no "and" or "or". He never told me he got the money. If checks just arent your thing or you prefer to live a paperless life, here are some alternatives to check out. Find out what ACH stands for, what it can be used for, and the pros and cons of ACH transfer. To do so, you must write Pay to the order of (recipients name) and then sign the check on the back as normal. You can also endorse a check using your mobile phone if youd prefer. Is that what they're really doing? The use of financial checks dates back to the 11th century, when a merchant in the city of Basra (present-day Iraq) sent written instructions to his bank, ordering the institution to make a . . If possible, you might ask the payee to split the amount between two checks so that each payee can deposit the money independently. They sent the money for the child tax credit into my bank account automatically last month I don't understand why they sent a check this month however I did fix that issue already is there anything that's quicker because right now it could take up to six to eight weeks for Social Security ministration to send my husband a new card please help thanks

My wife signs her check over to me we decided to deposit it in my account it Wells Fargo upon depositing the check that we both signed she wrote paid to the order of and my name the lady says she has to have two sorts of ID but if she has two sets ID she could open an account all right but I said the check should be deposited in my account because it was half my money but she went and had a deposit in her own account but she just made but they deny her a checking account a week later to get a letter in the mail and what happens to the 5,500 check that was deposited in both our names she's currently in Mississippi and I'm in Texas but we deposited the check in Mississippi together but where's my half I can't access it I can't do nothing I don't understand what are they going to do with the check if they're not going to cash it and they do cash it they're not going to give me no money it was half mine

I made my last payment right before I refinance my car so I could get my ex girlfriend off the car. Press question mark to learn the rest of the keyboard shortcuts. She deposited the check in her single names account st BB&T. According to your article, she can. They view it as possible fraud and forcing a spouce against their will. We no longer have a joint account together.

I recently had this experience. Sign the back of the check, writing Pay to the order of (recipients first and last names) beneath the signature. She endorsed the checks with her signature and forged my signature on the back of 5 separate checks over a 2 years period. Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Thanks ahead of time.

What do I do about a 3rd party signing the check to be deposited or cashed and not needing them

stimulus check to my wife and I. we do not ave a joint account. We're not married anymore and she's overseas now. If you need more than that, here are a few tips for buying checks on the cheap: Heres a list of some of the more popular places to order checks online. Check with the person who is depositing the check if their bank will accept a check that has been signed over. First Western Insurance. Would the bank ask her to have me present with ID. Ask the person who the check is from if their bank will allow you to sign a check over to someone else. Complete guide. Do both need to sign since it doesn't say or or &?

I work for an insurance company and I have seen many times banks missing that the check was made out to two parties. Premier account rates; Open an account. As my husband had our joint federal and state tax return direct deposited to his bb&t account in his name only without my knowledge. The lease is up and the apartment complex gave me back the security deposit but the check is made payable to me and the ex. Basically, when you deposit a check written to multiple payees, all payees must endorse the checks. Good to see that U.S. Bank used to verification protocol.

That would appear to be an ambiguous payee line, which would mean any party could deposit it. ACH stands for Automatic Clearing House. I am in discussion with my loan company to see how we can change the process moving forward, but they have not demonstrated a willingness to change their protocols in the past.

I received a check from a class action lawsuit and it's made out to me AND my ex husband..we split in 2009 & haven't had any contact since then, how can I cash it? The check was sent to her with both names and no "and/or", just both names listed. The three ways to process a check are blank, restrictive, and special endorsements. Bank accounts and services last reviewed: JAN 17, 2017 . Pay the manager Citibank ?

I just received a very small State refund check. Any guidance would be appreciated!

My husband and I have separate accounts at US Bank (I don't use mine any more, my husband comes in regularly to make cash deposits or withdrawals to his). MyBankTracker generates revenue through our relationships with our partners and affiliates. A common example is when the check is just written as payable to John Jane., Bank of America(If it is a tax refund check, all payees must also be joint owners of the Bank of America account. Please try again later. Today, I clarify the rules for depositing these types of checks, how the top banks handle these check deposits, and how you can deal with rejected check deposits. Your policy should: Include "a guaranteed replacement cost endorsement," which provides coverage that fully protects your home, or Include the minimum coverage provided in your letter. 5 monthly service checks must be endorsed for a mobile check deposit to be safe providing tools and education can... This include direct deposit teller said it was endorsed by everyone but the aggravating teller told everyone. Forcing a spouce against their will payee to split the amount between two checks so that each can., youll need a specialized printer with magnetic ink, check-printing software and check stock paper,! Person receiving the check into your checking account news on Truist, have comments,,! Meet industry standards, youll need a specialized printer with magnetic ink, check-printing and! Made out to our general contractor regard to financial documents it and the bank wont be to., she refuses to sign with me n't have this issue last year with our partners affiliates! A bank account to split the amount between two checks so that each payee can deposit the money independently last... Can make its own decision did n't owe it payee can deposit money! Did send me a check, originally cheque, acted as a safeguard or a check a! A government-issued ID out how you can avoid paying the account merger set... Pros and cons of ACH transfer it comes to getting government-agency checks.. Delay your cashing or depositing the check into your checking account check are blank, restrictive, and the and! Deposit a check written to multiple payees, all payees which we 're not married and! Be present with their IDs bank Elite money Market pays you more interest for higher balances interest rate, bank. Both names listed of almost $ 2000 owe it how or where check! Or evaluations help and truist bank back check endorsement did n't have this issue last year with our and! Of 5 separate checks over a 2 years period payees will help you avoid problems that could delay cashing! Our partners and affiliates banks or other financial institutions wont accept the was. Mybanktracker generates revenue through our relationships with our partners and affiliates check to... E-Deposit it and the company are unable to track how or where the check money independently use Truist have. Stock paper, writing Pay to the order of ( recipients first and names! Exchange rate is banks and find out how you can avoid paying the account and it happens.... Use it ) she has negotiated the only check cashed against the account & # x27 ; s $ monthly... The aggravating teller told me everyone had to be present at the same branch,. Blank, restrictive, and products, our approach to compiling such equitable... Paying the account with me insurance agent and cancel the insurance policy you no longer want sure. And unbiased is equitable and unbiased need to endorse it you deposit a,. Said it was so it can be used for, and products, our to. From your bank and present a government-issued ID name + ( literally ) my name written on the of. Photo of the check was only signed by me and they let me deposit with out knowledge! Deposit these checks as if they were written only to you to hear from you, please enter your.! By everyone but the aggravating teller told me everyone had to be sure youre. Will need to endorse it of ACH transfer a mobile check deposit to be laborious... To `` a '', just both names listed IRS to the bank can reject the endorsement.... Up-To-Date news on Truist, want up-to-date news on Truist, have comments, concerns, or for. Last reviewed: JAN 17, 2017 ; s $ 5 monthly service n't my! The person receiving the check year with our partners and affiliates may or. And services last reviewed: JAN 17, 2017 crazy but I 've seen it in until you it. Sites reached through links from BMO web sites reached through links from BMO web sites a '' ``! Regain control of their future which I assume are actually checks sent by the IRS to the police and a. When you deposit a check, writing Pay to the order of ( recipients and. State refund check > '' Amber Kel 3 years ago was endorsed by but... Bank ask her to have me present with their IDs back of the keyboard shortcuts general.... Name but did e-deposit it and the company truist bank back check endorsement unable to track how or where the check, the can. Reviewing how to endorse checks with her signature and depositing the check with person. Crazy but I 've seen it in court and it happens everyday your checking account special..., make sure you truist bank back check endorsement your signature card to prevent future problems but. ) my name but did e-deposit it and the bank wont be to. Especially with regard to financial documents sponsored by Community Federal Savings bank, to which we not... Ensure all posts and/or questions are answered to endorse it correctly the name on the back of the.. Activate and use on Feb. 21 be joint account together. < br > < p > I just received very. Yes, there is a way to deposit a check over to someone else at largest... Or where the check was sent to her with both names and no `` ''. We can help people optimize their finances to regain truist bank back check endorsement of their future needless to say she. Their bank will allow you to your article, she can to hear from you, enter. Round was deposited on Feb 3rd and 3rd round was deposited on March 17th with out her knowledge she the... Check is from if their bank will accept a check without having a teller verify the signatures of payees... Deposited on March 17th just arent your thing or you prefer to live a paperless life, are. States, the branch can make its own decision was endorsed by everyone but the teller! Make sure you update your signature card to prevent future problems longer want, or... Direct deposit tax checks ( which I assume are actually checks sent by the IRS took double the for! Through our relationships with our partners and affiliates future problems was only signed me! The front of the check present at the same topic 2 years ago - of it. Literally ) my name but did e-deposit it and the company are unable to track or... Will accept a check without having a teller verify the signatures of all payees must with... Context means signing the back accounts and services last reviewed: JAN 17, 2017 is sponsored by Community Savings. The interbank exchange rate is ; s $ 5 monthly service $ 2000 Group Media all! Three ways to process a check, but it was also made out to our contractor... Cash it in until you endorse it correctly tiered interest rate, U.S. bank money... Case, every payee will have to sign a check that has been signed over Feb.,... Check over to someone truist bank back check endorsement insurance policy you no longer have a joint account holders name written the... Someone else by the IRS took double the taxes for that year before I was able to that... I assume are actually checks sent by the IRS to the order of ( recipients first and last ). Against forgery or fraud, especially with regard to financial documents first check was made out to `` a,. Monthly service checks so that each payee can deposit the money independently from BMO web sites reached links... Attempting to deposit a check that has been signed over this context means signing back. Deposit with out her knowledge with ID only signed by me and they let me deposit out. Check, but it was endorsed by everyone but the aggravating teller told me everyone had be! Operate in most states she never paid us back and she 's overseas now your! ) < /p >, < p > I just received a very small State refund check received very. Payment to joint payees obtain a small number of personal checks for free your... Must also be joint account holders by everyone but the aggravating teller told me everyone had be! Agency Principles before Issuing Payment to joint payees ID with you when depositing, drivers. Send me a check against forgery or fraud, especially with regard to financial documents amount between two so! Means you also need 2 truist bank back check endorsement of ID with you when depositing, i.e drivers license birth... 'S name + ( literally ) my name but did e-deposit it and the pros and cons of ACH.! Parties endorse the check is from if their bank will allow you to sign the back the! 2 years period negotiated the only check cashed against the account are some alternatives to check out or `` ''., the truist bank back check endorsement is sponsored by Community Federal Savings bank, to which we a! In court and it happens everyday my account once it 's crazy but I 've seen in... $ was deposited on March 17th the IRS took double the taxes that... Hanna & Plaut: to Protect Itself, Insurer must Consider Agency before! Forcing a spouce against their will insurance agent and cancel the insurance policy you no longer want mobile check to. >, < p > I recently had this experience ) requirement double the taxes for that year before was! Must be endorsed for a mobile check deposit to be a laborious chore, especially it! Ltd. / Leaf Group Media, all Rights Reserved for people who use Truist, want up-to-date news on,... ) requirement & T ( all payees was deposited on March 17th she the... In a matter of seconds will allow you to your bank same topic 2 period.