Question about depositing my check into my landlords accoun-bank related**PROBLEM SOLVED THANKS LADIES**

Ok, let me see if I can make this short. I mailed April rent to my landlord...he never received it so now I have to put a stop payment on check which is $30 ouch! and I wrote him another check today. I asked if there was another way I can pay him so this doesnt happen again. He gave me his bank account number and said I can go to his bank and deposit the check directly into his account. Is that legal? He says my neighbord upstairs pays his rent that way. But is it truly right to write out a check and sign the back with his signature?? Is that how its done?

TIA

ETA: The situation is as follows: We ve been in this apt. for 5mths..each month I mail him a check (to his NYC address) he doesnt live upstate where I am. Each month he received and dep. right away. April came around..I mailed the check..he didnt receive it. I told him I really dont want to keep mailing you a check in case this hap-pens again (its $30 to put a stop on check) so I asked him if theres another way he can do this. So he brought up the option that my neighbor upstairs does...which sounds good to m.e His bank is right around the corner from me. I rather go directly to the bank and dep. the money instead of mailing it to him. I would be writing him a PERSONAL CHECK if this were possible...do I write Pay to the order of: me or him? and do I sign the back of the check with his name? or just write 'For deposit to' and his account number? Thanks ladies! I guess my biggest problem is having to sign his name..if i dont have to do this it should be ok

Re: Question about depositing my check into my landlords accoun-bank related

First of all this man is VERY trusting!

Secondly If you fill out a deposit slip with his bank account number on it; you can deposit checks and or cash into his account on his behalf. BUT if you give him a check, he'll have to endorse the back of the check first. If you forge his signature & get caught, you will probably get into a lot of trouble.

Another thought to consider: If the other tenant does this, your landlord does this, and now you're doing this....3 separate signatures will be shown on various checks, and 2 out of 3 signatures will not match his 'signature card' that is in his file I mean these are extreme possibilities, but I wouldn't do it.

Why can't he just do this?....Or can you just give him cash from now on if he's that lazy to go to the bank?

Re: Question about depositing my check into my landlords accoun-bank related

Yeah you can even do it with cash. Ive done it a few times actually. With my friend when i had to give her money for a certain reason, all of us chipping in for something she gives us her bank account number, well just very few of us that she does trust and we all just go to her bank, give her account number and give them the cash.

I tell the people at the bank that im depositing money into my friends bank account, the first time i did this i went up to them and asked them first exactly what i have to do. They told me to just deposit the slip. I am depositing money so i guess thats why its no big deal, not like i am withdrawing from someone's account.

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by Espo22

Yeah you can even do it with cash. Ive done it a few times actually. With my friend when i had to give her money for a certain reason, all of us chipping in for something she gives us her bank account number, well just very few of us that she does trust and we all just go to her bank, give her account number and give them the cash.

I tell the people at the bank that im depositing money into my friends bank account, the first time i did this i went up to them and asked them first exactly what i have to do. They told me to just deposit the slip. I am depositing money so i guess thats why its no big deal, not like i am withdrawing from someone's account.

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oh yeah cash is no problem. Her landlord wants her to forge his signature on her check made out to him and go to the bank and deposit it into his account. I dunno Denise what do you think? Sounds a little dicey, right?

Re: Question about depositing my check into my landlords accoun-bank related

Something doesn't sound right about it. The proper way to pay rent by check is to write the name of your landlord or the name of the agency or management group responsible for maintaining the bldg. In the memo of the check, you write down the month and year so you have a record of the check when you get your bank statement. Basically, your landlord is telling you to commit Forgery. You can not sign and forge his signature on the back of the check. If his signature does not match his file, not only will the bank start an internal investigation & contact him, if he leak out the fact that you and your neighbor deposit checks for him, you can get in legal trouble and seriously get arrested for it. First, you should question whose bank account number it is that he's providing and why he would ask you to deposit the check for him? I don't think landlords are that trusting where they give someone their bank account number for security purpose. If the bank account number does belong to someone else, there is no record that you ever paid him. And thus, the whole cycle will repeat again.
To prevent this from happening, explain to your landlord there's a reason why there is a line on the check : To___________ (name of the person) you're making out the payment for. And you prefer to do it old school, you write a check, your bank statement has a record of it and you can validate that the check has been made and paid out. If the checks does not reach his address, ask if there is an alternative mailbox or somewhere where you can drop the payment directly. This is for your own safety and security. If he still insist to do it his way, bring it up to tenant/landlord court! Or if you're in the NYC area, call 311 for info. to settle the matter.

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by Ayne11

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Posted by Espo22

Yeah you can even do it with cash. Ive done it a few times actually. With my friend when i had to give her money for a certain reason, all of us chipping in for something she gives us her bank account number, well just very few of us that she does trust and we all just go to her bank, give her account number and give them the cash.

I tell the people at the bank that im depositing money into my friends bank account, the first time i did this i went up to them and asked them first exactly what i have to do. They told me to just deposit the slip. I am depositing money so i guess thats why its no big deal, not like i am withdrawing from someone's account.

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oh yeah cash is no problem. Her landlord wants her to forge his signature on her check made out to him and go to the bank and deposit it into his account. I dunno Denise what do you think? Sounds a little dicey, right?

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im sure if she asked if she can deposit cash into his account he would have no problem with it. But even with a deposit slip its weird bc you need the persons name on there ya know not the person depositing but the person whose account it is. So either its a check or the deposit slip, either way she has to sign his name.

The check part might be a little bit trickier but i would say to just go to the bank and ask how she can do this, explain the situation to them and this way she can find out the right way to do it.

Re: Question about depositing my check into my landlords accoun-bank related

Also, i am guessing that if she is mailing him the rent then he probably isn't nearby for him to just hand it to him. Or else im sure she would've just told him 'hey can i just give it to you in person so this doesn't happen again' Also remember that he didnt just come out of nowhere saying hey from now on pay me this way. You asked if there is a different way.

YES, some people are that trusting. First of all there are more ways for you to screw him over than him screwing you over this way. YOU have his account number ya know. I don't think this is some big conspiracy on his part, if it was he would've come to you with this not the other way around.

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by Cassie15

Something doesn't sound right about it. The proper way to pay rent by check is to write the name of your landlord or the name of the agency or management group responsible for maintaining the bldg. In the memo of the check, you write down the month and year so you have a record of the check when you get your bank statement. Basically, your landlord is telling you to commit Forgery. You can not sign and forge his signature on the back of the check. If his signature does not match his file, not only will the bank start an internal investigation & contact him, if he leak out the fact that you and your neighbor deposit checks for him, you can get in legal trouble and seriously get arrested for it. First, you should question whose bank account number it is that he's providing and why he would ask you to deposit the check for him? I don't think landlords are that trusting where they give someone their bank account number for security purpose. If the bank account number does belong to someone else, there is no record that you ever paid him. And thus, the whole cycle will repeat again.
To prevent this from happening, explain to your landlord there's a reason why there is a line on the check : To___________ (name of the person) you're making out the payment for. And you prefer to do it old school, you write a check, your bank statement has a record of it and you can validate that the check has been made and paid out. If the checks does not reach his address, ask if there is an alternative mailbox or somewhere where you can drop the payment directly. This is for your own safety and security. If he still insist to do it his way, bring it up to tenant/landlord court! Or if you're in the NYC area, call 311 for info. to settle the matter.

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i dont think she has to forge a signature with endorsing bc i dont think she has to endorse a check. Its the SAME name as the name on the check. She is putting on the check 'pay to the order of' whatever her landlords name is and the account its going to is the same name as it is on the check. I will ask my friend bc some ppl had to deposit checks and i dont think it was endorsed, not sure but i also just looked it up and that is also the info i found.

You endorse a check when the name on the check is different than the name of the account the check is being deposited. For example ive given my check to DH to deposit into his account, i have to endorse those bc the check is made out to me but its his account so its his name. I think you can write 'JUST FOR DEPOSIT ONLY'

I would just ask the bank, its not illegal for you to deposit a check into someones account, but find out the proper way to do so. I mean you'll get a lot of answers on here but i'd rather get it from the bank

here is what i found on a site that asked this question:

'You don't even have to endorse checks, if you're depositing them in an account with the same name as the check. So there's no need to forge a signature'

here is some other info i found, i copied and pasted directly here:
If you are asking if a check to you or your company can be deposited into (your) account by a person other than you or a representative of your company with out being endorsed by yourself or your company, the answer is yes.

The person depositing the check into your account needs to fill out a deposit slip with the correct account info. endorse the back of the check as ' For deposit only ' and deposit it.

I used to own a property management company in Nevada had to make deposit's like these into my client accounts on a daily basis.

-Mj.

depending on who's depositing in which account, you can also have someone sign the back with their signature stating 'signing for xxxxxxxxx' Check your bank's policies, but I've done this in the past.
hostpath.com


12-21-2002, 02:13 PM
'FOR DEPOSIT ONLY' will work. My wife does it all the time for me, at three different financial institutions...
Luxore
12-21-2002, 06:44 PM
Often your contract with your bank (the one nobody reads) explicitly gives them permission to collect on your behalf for items made payable to you.

This is why most of the time they will accept an unendorsed check in a deposit.

Re: Question about depositing my check into my landlords accoun-bank related

I wouldnt do the cash b/c there is no proof that YOU put it in there and you will have no receipt to show for it. You may need for verification for a future apt or for a mortgage.

I would write for deposit only on it.

Re: Question about depositing my check into my landlords accoun-bank related

you can go to the bank, and instead of signing his name on the back, you can write 'For Deposit Only' and his account number, and that's perfectly OK.

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by teenigrrl

you can go to the bank, and instead of signing his name on the back, you can write 'For Deposit Only' and his account number, and that's perfectly OK.

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This is totally legal for the reason that this is done. The smartest thing to do would be the check instead of cash. I would say this type of transaction would make it easier for both parties. You can deposit it when you can and he is sure to get it.

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by teenigrrl

you can go to the bank, and instead of signing his name on the back, you can write 'For Deposit Only' and his account number, and that's perfectly OK.

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Yes, this is what I thought. My problem is I dont want to sign his name on the back of my check...because to me, thats forgery..

The situation is as follows: We ve been in this apt. for 5mths..each month I mail him a check (to his NYC address) he doesnt live upstate where I am. Each month he received and dep. right away. April came around..I mailed the check..he didnt receive it. I told him I really dont want to keep mailing you a check in case this hap-pens again (its $30 to put a stop on check) so I asked him if theres another way he can do this. So he brought up the option that my neighbor upstairs does...which sounds good to m.e His bank is right around the corner from me. I rather go directly to the bank and dep. the money instead of mailing it to him. I would be writing him a PERSONAL CHECK if this were possible...do I write Pay to the order of: me or him? and do I sign the back of the check with his name? or just write 'For deposit to' and his account number? Thanks ladies! I guess my biggest problem is having to sign his name..if i dont have to do this it should be ok

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by bettybcafe82

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Posted by teenigrrl

you can go to the bank, and instead of signing his name on the back, you can write 'For Deposit Only' and his account number, and that's perfectly OK.

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Yes, this is what I thought. My problem is I dont want to sign his name on the back of my check...because to me, thats forgery..

The situation is as follows: We ve been in this apt. for 5mths..each month I mail him a check (to his NYC address) he doesnt live upstate where I am. Each month he received and dep. right away. April came around..I mailed the check..he didnt receive it. I told him I really dont want to keep mailing you a check in case this hap-pens again (its $30 to put a stop on check) so I asked him if theres another way he can do this. So he brought up the option that my neighbor upstairs does...which sounds good to m.e His bank is right around the corner from me. I rather go directly to the bank and dep. the money instead of mailing it to him. I would be writing him a PERSONAL CHECK if this were possible...do I write Pay to the order of: me or him? and do I sign the back of the check with his name? or just write 'For deposit to' and his account number? Thanks ladies! I guess my biggest problem is having to sign his name..if i dont have to do this it should be ok

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no need to sign his name. i used to have to accept checks for deposit at my old job, and it was acceptable for the back of the check NOT to be signed as long as it said FOR DEPOSIT ONLY and the account number.

Re: Question about depositing my check into my landlords accoun-bank related

I did that for my friend, I had to pay her for a trip and she gave me her account number and I put the cash into her bank account. I just wrote her name on the deposit slip and gave it to them.

Your landlord is very trusting giving you his account number like that. I dont think its illegal, definitely saves you your checks. so I dont see why not just deposit it if the bank is close to you.

Re: Question about depositing my check into my landlords accoun-bank related

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Posted by wo0shply

I did that for my friend, I had to pay her for a trip and she gave me her account number and I put the cash into her bank account. I just wrote her name on the deposit slip and gave it to them.

Your landlord is very trusting giving you his account number like that. I dont think its illegal, definitely saves you your checks. so I dont see why not just deposit it if the bank is close to you.

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Thanks. Yes, you are right..hes very trusting to give me his account number. I would never do that.. I went to the bank today and they told me its perfectly fine..all I have to do is make the check out and write 'For deposit to account....' so..pretty simple. I just wanst sure if I had to sign his name which sounded a little weird to me..but I dont have to. It really doesnt save me checks though...just stamps :)

Re: Question about depositing my check into my landlords accoun-bank related**PROBLEM SOLVED THANKS LADIES**

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Posted by ChristineAaron08

I wouldnt do the cash b/c there is no proof that YOU put it in there and you will have no receipt to show for it. You may need for verification for a future apt or for a mortgage.

I would write for deposit only on it.

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actually you do get the receipt, plus they still ask you for your ID when you do this for situations like this. She would have a receipt from the bank near her too showing which branch it was. Since she is depositing it she keeps the slip and receipt.

but yeah i agree i would just do the deposit only method

Re: Question about depositing my check into my landlords accoun-bank related**PROBLEM SOLVED THANKS LADIES**

Actually, I work in a bank for the Operations Dept. You're right about the info where you can write Deposit Only for checks deposit into someone's account. However, most banks usually either stamp 'For Deposit Only' or companies have their own stamps for checks if someone is doing the deposit for them. The tellers do check everything. Although they do whatever is written on the slips- deposit, withdrawal,etc. They are responsible for all the info that is collected or obtained. So it's on them if anything is missing. If the check is left blank with no endorsement, it gets stamped. It's fine if it's your spouse or a family member, however, this is your landlord. Unless it's an 80 year old guy that has medical reasons and can not travel outside home, there should be no reason why he can not have someone else (family member) go to do his errands. Although, you can not actually retrieve money from his account or or obtain info directly from the bank, there are still ways around it with Customer Service Dept. This poses a security issue. You wouldn't give out your social security number to someone and it doesn't make sense that you would give someone your account number unless that person is directly related to you. It just doesn't sound right whatever the landlord is doing. Most landlords have their own management/corp. or superintendent that is directly responsible for bldg related issues. I would drop it off directly to the super or someone that comes out to do his errands- family member, etc.
I would never deposit money, even if you get a receipt indicating the amount deposit w/ the account number, it's still a risk b/c there is no record of it. Meaning, your landlord can say the money can come from anyone. There is no actual proof that the money deposit came from you if you have to prove it in court. Do whatever makes you feel comfortable I guess but I wouldn't take that risk in case anything happens.

Re: Question about depositing my check into my landlords accoun-bank related**PROBLEM SOLVED THANKS LADIES**

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Posted by Cassie15

Actually, I work in a bank for the Operations Dept. You're right about the info where you can write Deposit Only for checks deposit into someone's account. However, most banks usually either stamp 'For Deposit Only' or companies have their own stamps for checks if someone is doing the deposit for them. The tellers do check everything. Although they do whatever is written on the slips- deposit, withdrawal,etc. They are responsible for all the info that is collected or obtained. So it's on them if anything is missing. If the check is left blank with no endorsement, it gets stamped. It's fine if it's your spouse or a family member, however, this is your landlord. Unless it's an 80 year old guy that has medical reasons and can not travel outside home, there should be no reason why he can not have someone else (family member) go to do his errands. Although, you can not actually retrieve money from his account or or obtain info directly from the bank, there are still ways around it with Customer Service Dept. This poses a security issue. You wouldn't give out your social security number to someone and it doesn't make sense that you would give someone your account number unless that person is directly related to you. It just doesn't sound right whatever the landlord is doing. Most landlords have their own management/corp. or superintendent that is directly responsible for bldg related issues. I would drop it off directly to the super or someone that comes out to do his errands- family member, etc.
I would never deposit money, even if you get a receipt indicating the amount deposit w/ the account number, it's still a risk b/c there is no record of it. Meaning, your landlord can say the money can come from anyone. There is no actual proof that the money deposit came from you if you have to prove it in court. Do whatever makes you feel comfortable I guess but I wouldn't take that risk in case anything happens.

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Thank you. There is a reason why he gave me his account number..please see OP.

Re: Question about depositing my check into my landlords accoun-bank related**PROBLEM SOLVED THANKS LADIES**

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Posted by Cassie15

Actually, I work in a bank for the Operations Dept. You're right about the info where you can write Deposit Only for checks deposit into someone's account. However, most banks usually either stamp 'For Deposit Only' or companies have their own stamps for checks if someone is doing the deposit for them. The tellers do check everything. Although they do whatever is written on the slips- deposit, withdrawal,etc. They are responsible for all the info that is collected or obtained. So it's on them if anything is missing. If the check is left blank with no endorsement, it gets stamped. It's fine if it's your spouse or a family member, however, this is your landlord. Unless it's an 80 year old guy that has medical reasons and can not travel outside home, there should be no reason why he can not have someone else (family member) go to do his errands. Although, you can not actually retrieve money from his account or or obtain info directly from the bank, there are still ways around it with Customer Service Dept. This poses a security issue. You wouldn't give out your social security number to someone and it doesn't make sense that you would give someone your account number unless that person is directly related to you. It just doesn't sound right whatever the landlord is doing. Most landlords have their own management/corp. or superintendent that is directly responsible for bldg related issues. I would drop it off directly to the super or someone that comes out to do his errands- family member, etc.
I would never deposit money, even if you get a receipt indicating the amount deposit w/ the account number, it's still a risk b/c there is no record of it. Meaning, your landlord can say the money can come from anyone. There is no actual proof that the money deposit came from you if you have to prove it in court. Do whatever makes you feel comfortable I guess but I wouldn't take that risk in case anything happens.

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he lives in NYC and she lives upstate thats why he doesnt pick it up or she doesn't drop it off to him. And unless she lives in a building there would be no super. Plus he didnt ask her to do it this way, she is the one who asked if there was any other way besides mailing it to him and he came up with this option so not like he is making her do this. She can continue to mail it to him if she wishes. And not all landlords have a management corp, supers or any of that, some ppl simply just own a home and rent it out and are landlords bc of that. Just regular simple ppl not corporations. I know ppl who rent out apartments in a home and their landlord just owns the house thats all. INFACT if it was a building you would NOT be paying a person and there is no landlord in a building. Its a management company and no individual who owns the place you deal with. If you rent in a building your check is pay to the order of management corp or if you own it goes to your mortgage company.

Also, if she deposits a check into his account, and its her check doesnt it show then that she paid it? just curious bc im confused by the whole he can say it came from anyone. By using her own check, doesnt that show that it came from her, and the fact that there would be a trail showing money was withdrawn from her account and put into his, i mean thats what would happen. I would hope the bank would be able to prove such a thing. Her bank statement would also show this so would he be able to lie? i dont see how. Just curious bc i would hope with all the technology out there and things we can find out, that somebody would be able to see that a check with my name on it deposited into someones account and then that amount withdrawn from my account would be able to prove something. And the fact that she is his tenant and its in the amount of her rent.

But then again it took me going to the bank for a month to get one small issue resolved bc nobody knew the procedure so maybe nothing would surprise me. Or the fact that once i went to a bank to cash a check from work at my branch but different from the banks and the teller told me this cant be done, i knew she was wrong so i went 5 mins away to another commerce, only to talk a manager who told me YES it can be done and explained all she would have to do.

Re: Question about depositing my check into my landlords accoun-bank related**PROBLEM SOLVED THANKS LADIES**

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Posted by Espo22

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Posted by Cassie15


I would never deposit money, even if you get a receipt indicating the amount deposit w/ the account number, it's still a risk b/c there is no record of it. Meaning, your landlord can say the money can come from anyone. There is no actual proof that the money deposit came from you if you have to prove it in court. Do whatever makes you feel comfortable I guess but I wouldn't take that risk in case anything happens.

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he lives in NYC and she lives upstate thats why he doesnt pick it up or she doesn't drop it off to him. And unless she lives in a building there would be no super. Plus he didnt ask her to do it this way, she is the one who asked if there was any other way besides mailing it to him and he came up with this option so not like he is making her do this. She can continue to mail it to him if she wishes. And not all landlords have a management corp, supers or any of that, some ppl simply just own a home and rent it out and are landlords bc of that. Just regular simple ppl not corporations. I know ppl who rent out apartments in a home and their landlord just owns the house thats all. INFACT if it was a building you would NOT be paying a person and there is no landlord in a building. Its a management company and no individual who owns the place you deal with. If you rent in a building your check is pay to the order of management corp or if you own it goes to your mortgage company.

Also, if she deposits a check into his account, and its her check doesnt it show then that she paid it? just curious bc im confused by the whole he can say it came from anyone. By using her own check, doesnt that show that it came from her, and the fact that there would be a trail showing money was withdrawn from her account and put into his, i mean thats what would happen. I would hope the bank would be able to prove such a thing. Her bank statement would also show this so would he be able to lie? i dont see how. Just curious bc i would hope with all the technology out there and things we can find out, that somebody would be able to see that a check with my name on it deposited into someones account and then that amount withdrawn from my account would be able to prove something. And the fact that she is his tenant and its in the amount of her rent.

But then again it took me going to the bank for a month to get one small issue resolved bc nobody knew the procedure so maybe nothing would surprise me. Or the fact that once i went to a bank to cash a check from work at my branch but different from the banks and the teller told me this cant be done, i knew she was wrong so i went 5 mins away to another commerce, only to talk a manager who told me YES it can be done and explained all she would have to do.

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I think she meant not to deposit the 'cash'. A check would defintely be traceable. I am weary of cash too eventhough you would get a receipt saying cash was deposited. He can turn around and say that particular cash wasn't from her.

I rent an apt from my parents and always deposit a check. Not b/c I think they will take my $$ and run lol, but b/c I want a record of rent being paid consecutively.

ITA w/ you on commerce. I wonder if they train their tellers sometimes. I'll go in there do something I do ALL the time, like cash a check against my savings and sometimes I get a teller who has no clue what I mean or tells me they can't do that