At the end of the day, the bank will send each check to the issuing bank, requesting payment for the amounts listed on each check. Alternatives to Signing Over a Check Because the process is complicated and many banks do not allow it, signing a check over to someone should be a last resort strategy.
Many ATMs these days can handle check deposits, but these systems are highly automated. If that bank will not cash the check or you cannot find a local branch, then go to a bank where either of you has an account.
This is called endorsing the check. It does not have to be an emergency or any special type of situation.
The process Your bank takes all of the checks it receives each day and separates them by the bank that issued the check. Banks are willing to do this because you take on some responsibility for the checks you deposit.
Once the issuing banks receive the checks that their customers have written, they need to verify those checks.
Editorial Disclosure When someone gives you a check, you first need to deposit the money at a bank or cash it so you have money to spend. Simplify The Process Instead of trying to cash the check, your recipient should consider depositing it into their bank account and letting it clear. Sometimes you might not want to visit the bank, or might not be able to visit the bank to deposit or cash a check that you receive.
If neither of your banks will cash the check, then you need to start calling around to find a bank that will. Cash it at the issuing bank or check-cashing store You can try cashing the check at the issuing bank if you need access to the money quickly.