How to deposit a check in my account with a lien holder name on it

It's common practice for insurance companies to issue checks made out to two parties: the insured and the lien holder. Whether you are receiving funds for a claim for a car accident or a water leak in your home, you may be surprised to find the check made out to both you and the property's lien holder. You may be able to deposit the check without the lien holder's signature, but that depends on the wording of the check and your bank's deposit policy.

Look at the exact wording on the payee line. If the two payees have the word "and" or "&" between them, you can legally deposit the check without the lien holder's signature. However, even though it is technically legal, your bank's policy may differ. Check with your bank to see if two signatures are required before you try to deposit the check.

Ask the lien holder to endorse the back of the check if your bank's policy requires both signatures.

Endorse the back of the check and deposit it as usual.


Banks differ in their policies: if one bank won't allow you to deposit a check with one signature, even with the "and" or "&," try another bank.

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About the Author

Stephanie Ellen teaches mathematics and statistics at the university and college level. She coauthored a statistics textbook published by Houghton-Mifflin. She has been writing professionally since 2008. Ellen holds a Bachelor of Science in health science from State University New York, a master's degree in math education from Jacksonville University and a Master of Arts in creative writing from National University.

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