Cashing Wedding Checks: When Is The Right Time?

It is generally considered polite to cash a wedding check soon after receiving it, as this helps the giver balance their finances. However, there are several factors to consider when deciding whether to cash wedding checks before or after the wedding. Some couples opt to open a joint bank account before the wedding to simplify the process, while others may need to wait until after the wedding to update their name on their bank account. Ultimately, it is up to the couple to decide when to cash their wedding checks, but it is essential to be mindful of the giver's perspective and send a timely thank-you note.

How to cash a wedding check before changing your name

If you receive a wedding check in your maiden name, you can still cash it after your wedding, but it may be a little more complicated. Here are some tips on how to cash a wedding check before changing your name:

• Open a joint bank account with your spouse-to-be before the wedding – Open the account using your maiden name and inform the bank clerk that you are about to get married and plan to change your name. This will ensure the bank is clear about your decision to change your name after the wedding. If the checks are made out to both you and your spouse, you will both need to validate and sign the checks.
• Deposit the check soon after the wedding – While it's not considered rude to deposit a check the day after the wedding, if you're going on your honeymoon right after, you may want to wait until you get back. Banks are only legally required to honor a check for six months after it is issued, but it's best not to leave it too long. The sooner you deposit the check, the sooner you can use the money, and the less likely there will be issues with the funds in the giver's account.
• Notify the giver if the check bounces – While it's not your responsibility to alert the giver if their check bounces, it is polite to do so. Allow them to reach out to you first, and then get in touch with the bank to remind them to notify the payer.
• Be prepared for the check to be put on hold – If you've already changed your name and used your married name on your bank account, a check made out to your maiden name will usually be put on hold while the bank verifies your identity. Have supporting documents such as proof of your maiden name and name change documents ready to speed up the process.
• Thank the giver promptly – While there are differing opinions on whether it's better to cash a check before or after a wedding, most people agree that it's important to send a thank-you note as soon as possible. This will let the giver know that you received the check, and it will reduce your workload after the wedding.

When to cash a wedding check

If you're wondering when to cash a wedding check, there are a few things to consider. Firstly, it is generally considered polite to cash a check within a few weeks after receiving it. This is important because it can take a few days for the check to clear, and you don't want the giver to worry that their gift has been lost. It also ensures that the funds are available in the giver's account, as they could fluctuate over time. Most banks are legally required to honor a check for up to six months after it is issued, but it's best not to leave it too long.

If you are the recipient of a wedding check, it is a good idea to plan how you will deposit and track the money. This is especially important if you have a joint account with your spouse or if the check is made out to both of you. In these cases, you may need to bring identification and your marriage certificate to the bank. Some banks may also require both of you to be present when depositing the check.

If you are giving a wedding check, it is considerate to use the couple's pre-married names, as this will make it easier for them to cash the check before or after the wedding. Using the conjunction "or" between their names will also give them more flexibility in depositing the check. It is also a good idea to follow up with the couple if you haven't seen the check deposited within a few weeks, especially if you are concerned about it getting lost in the mail.

Overall, it is best to cash a wedding check promptly and to communicate with the giver or recipient if there are any issues or delays. This will ensure that everyone is on the same page and that the gift is received and appreciated.

How to write a wedding check

Writing a check as a wedding gift is a great way to give the couple the freedom to choose how to spend the money. Here is a step-by-step guide on how to write a wedding check:

Decide on the Amount:

Consider your budget, your relationship with the couple, and any cultural expectations when deciding on the amount. Traditional etiquette suggests the following amounts:

• $50-75 for co-workers or distant friends/relatives
• $75-100 for relatives or friends
• $100-150 for close relatives or friends

However, you can also make the amount more meaningful by tying it to a shared memory, such as the cost of dinner at your favourite restaurant.

Make the Check Payable to One Person:

To avoid complications with joint accounts and name changes, make the check payable to just one person. Use their pre-married or maiden name to avoid delays due to legal name changes. For example, write the check to "John Smith OR Jane Doe" instead of "Mr. and Mrs. John Smith." This way, either person can endorse and deposit the check without having to wait for a joint account or legal name changes.

Include a Greeting Card:

Put the check inside a greeting card addressed to both the bride and groom. Include a personal message congratulating them and sharing a memory. This adds a thoughtful touch and makes the gift more meaningful.

Mail the Check or Give it in Person:

Mailing the check is a safe option, and it is appropriate to do so any time before or shortly after the wedding. If you are attending the wedding, you can also give the check in person, but avoid placing it on the gift table as it may get lost. Instead, give it to a close family member, a member of the wedding party, or the wedding planner.

Ensure You Have Sufficient Funds:

Before writing the check, make sure you have the appropriate funds in your account. You don't want the check to bounce when the couple deposits it, which may be a few weeks after the wedding.

Remember to follow wedding gift etiquette and bank protocols when writing a wedding check. This will ensure that the couple can easily cash the check and use the gift towards their future plans.

What to do if a wedding check bounces

It can be frustrating to find out that a check has bounced, especially if it's a wedding gift. Here are some steps you can take to handle the situation:

• Stay calm and gracious: Remember that it's the thought that counts. Be understanding, as the person who gave the check may be embarrassed or unaware of the issue.
• Contact the gift-giver: Let them know about the bounced check, as they may not be aware of the situation with their bank account. It's best to inform them sooner rather than later to avoid any further complications.
• Suggest alternative payment methods: If the gift-giver is willing to make amends, suggest they use a different form of payment, such as cash or a money transfer. This ensures that you receive the gift without any further issues.
• Request reimbursement for fees: If your bank charged you a fee for the bounced check, kindly ask the gift-giver to reimburse you for these charges. Explain the situation, and they may be understanding and willing to compensate you for any fees incurred.
• Take legal action as a last resort: If the gift-giver is unresponsive or refuses to rectify the situation, you may consider taking legal action to recover the funds. However, this should only be considered if all other options have been exhausted, as it can strain relationships.

Remember to approach the situation with empathy and understanding. Most people are honest and will want to make things right if their check bounces. Be sure to send a thank-you note expressing your gratitude for their presence at your wedding, regardless of the outcome.

Wedding check vs. cash: which is better?

When it comes to wedding gifts, cash or check, which is better? Well, it depends on a few factors and, ultimately, your personal preference. Here are some things to consider when deciding between giving cash or a check as a wedding gift:

Convenience and Security

Cash is generally more convenient for the recipient as it does not involve a trip to the bank. However, checks are considered more secure, especially when it comes to potential theft. If a check is lost or stolen, you can cancel it, but if cash is lost or stolen, it's gone for good. Checks are also traceable, which can be helpful in ensuring your gift reaches the couple.

Amount of Money

Checks may be preferable if you plan to give a larger amount of money. Writing a check for a higher amount may be easier than carrying a large amount of cash. Family members or those wanting to give a more generous gift may opt for a check.

Timing

If you are giving a gift before the wedding, a check is usually the best option. It can be securely mailed and ensures the couple receives your gift on time. For wedding receptions, cash is often preferred, as it can be placed in a greeting card or envelope and given to the couple or placed in a designated box for monetary gifts.

Tradition and Culture

Tradition and cultural background can also play a role in deciding between cash and check. Cash is a standard gift depending on the couple's ethnic and religious backgrounds and whether they are getting married within the continental US. It's always a good idea to consider the couple's preferences and traditions when deciding on a gift.

Online Cash Registries

Nowadays, many couples have online cash registries, which allow guests to give money digitally. This option may be more convenient for both the giver and the couple, as it eliminates the need for physical cash or checks.

Ultimately, both cash and check are acceptable wedding gifts, and it's essential to consider the couple's preferences and what works best for you. If in doubt, you can always ask the couple or a close family friend about their preferred gift-giving method. Remember, your presence at the wedding is also a gift, and there is no obligation to give more than you can afford.

Frequently asked questions