dksuddeth

I did some consulting work for a dentist in a neighboring city. He mailed me a check for my services and he wrote on the back endorsement area 'for deposit only'. Since I have yet to endorse the check, do I have to leave that deposit only on there or can I cross it out and just endorse the check since I don't have a banking account anywhere?

__________________
"no amount of force can control a free man, a man whose mind is free. No, not the rack, not fission bombs, not anything. You cannot conquer a free man; the most you can do is kill him."

Glory's Sun

IIRC, the only way to undo the "for deposit only" is to have it crossed out with his signature or initials followed by your endorsement. You could always ask him to void that check and just write you another one without the stamp.

Cynthetiq

curious, without a single bank account, how do you pay bills? gas, electicity, etc?

__________________
I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.

dksuddeth

either cash or the wife uses one of those pay as you go bank cards from visa
-----Added 4/12/2008 at 03 : 10 : 14-----
so a person gets to determine what i do with money paid to me? seems to me that doesn't make sense.

__________________
"no amount of force can control a free man, a man whose mind is free. No, not the rack, not fission bombs, not anything. You cannot conquer a free man; the most you can do is kill him."

Cynthetiq

do you have space that you can endorse your name above the "for deposit only"?

__________________
I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.

Glory's Sun

the rules are like this to prevent check fraud. deposit only helps you so that if the check were stolen and cashed by someone else you wouldn't get it back.. where as if they can only deposit it, you have to have the account there to get the monies.

simple.

dksuddeth

probably

__________________
"no amount of force can control a free man, a man whose mind is free. No, not the rack, not fission bombs, not anything. You cannot conquer a free man; the most you can do is kill him."

Cynthetiq

from what i understand the point of endorsement is where you can write something.

so if you write:

pay to the order of: cynthetiq
dksuddeth

you've special endorsed the check to me.

your signature is approving what is ABOVE it.

so the "for deposit only" doesn't really make sense if it is below your endorsement, and thus you should be able to cross it out.

__________________
I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.

eribrav

I think that the best suggestion is to get another check and then have this one voided.