Writing Wedding Checks: A Guide For Guests

If you're planning to give a cheque as a wedding gift, it's important to make sure it's written correctly so that the newlyweds can easily cash it. Here are some tips to help you make out a cheque to a wedding couple:

- Use the couple's full, legal pre-married names. Even if one or both partners plan to change their names after the wedding, it's best to use their pre-married names to avoid any delays in cashing the cheque.

- Separate the names with or instead of and. This ensures that either partner can deposit the cheque into their individual or joint account without requiring multiple signatures.

- Avoid using titles like Mr. or Mrs. Stick to using the couple's full legal names to prevent any issues with the bank.

- Include the numeric and written-out gift amount, date, payee names, your signature, and permanent ink. You can also use the memo field to add a short message or indicate that it's a wedding gift.

- Put the cheque inside a wedding card. This adds a thoughtful touch, and it's also safer than giving cash or a loose cheque.

- Mail the cheque or give it to a close family member, wedding party member, or the wedding planner at the ceremony. Avoid giving it directly to the couple, as it may get lost in the wedding festivities.

Use their pre-wedding names

When writing a wedding check, it is important to use the couple's full, legal names. Using their pre-wedding names is the best option, as it is likely that the newlyweds will want to cash the check before any name-change paperwork is filed. Even if they cash the check after the wedding, the name-changing process can take time, and the couple could hit a snag with the bank if your check is addressed to their not-yet-official new names.

If you are writing a check to the couple, use their pre-wedding names and separate their names with "or" instead of "and." This will ensure that either partner can endorse and deposit the check into their own account without the other person being present. For example, write "Kim Jones or Jackie Garcia" instead of "Kim Jones and Jackie Garcia."

It is also important to double-check the spelling of the names and to avoid making assumptions about name changes. Do not assume that a heterosexual couple has gone the traditional route of the bride taking the husband's last name, or that a couple who hyphenated their last names did so in alphabetical order. If you are unsure, ask someone close to the couple to clarify their official names.

Additionally, make sure that you have the funds in your account to cover the amount of the check. You don't want the check to bounce when the couple deposits it, which may not happen until a few weeks after the wedding.

Write or instead of and

When writing a cheque as a wedding gift, it is important to use the word "or" instead of "and" between the names of the couple. For example, if the couple's names are Kim Jones and Jackie Garcia, the cheque should be written as "Kim Jones or Jackie Garcia". This is because the use of "or" ensures flexibility in how the cheque is deposited. With "or", either partner can endorse and deposit the cheque into their individual or joint account without the other person being present. On the other hand, if "and" is used, both partners may be required to be present at the bank and the account used must be in both of their names.

Using "or" is especially important if the couple does not have a joint account or if one partner has changed their name and is in the process of updating their bank account information. By writing "or", you allow either partner to deposit the cheque without any complications. This is also useful if the couple decides to never get a joint bank account or if one partner takes some time to legally change their name and open a joint account.

It is also recommended to use the couple's pre-married or maiden names on the cheque, as it may take time for name changes to be reflected in their bank accounts. Using their pre-married names ensures that the couple can cash the cheque right away. Additionally, avoid making assumptions about name changes. It is always best to double-check the spelling and the names themselves. If in doubt, use the first and last names that you know best.

In summary, when writing a wedding cheque, use "or" between the couple's names to provide flexibility and convenience in depositing the gift. This simple tip can save the couple from potential hassles and delays in accessing their monetary gift.

Include a memo

When addressing a wedding cheque to a couple, it is essential to include a memo to specify the purpose of the cheque and ensure it is deposited correctly. Here are some detailed instructions and considerations for including a memo when making out a wedding cheque:

• Specify the Occasion: Begin the memo by mentioning the occasion for which you are presenting the cheque. You can simply write, "Wedding gift for [date of wedding] for [name of bride] and [name of groom]." This sets the context and immediately informs the couple of the purpose of the cheque.
• Write the Exact Amount: It is crucial to indicate the exact amount of the cheque in words. For example, if you are giving them $100, write, "

Sign the cheque

Signing the cheque is the final step in making out a wedding gift cheque to a couple. Your signature authorises the cheque to be cashed by the indicated party, so don't forget to autograph the cheque before popping it in your wedding card.

It's important to use permanent ink when signing the cheque. This is to prevent cheque fraud. Sign your name in the bottom right corner of the cheque, in the space provided.

If you are giving a cheque as a wedding gift, it's also a good idea to include a memo. This is a great place to add a short and sweet message for the new couple. You can write something simple like "Congratulations!" or "For the honeymoon". If you've only addressed the cheque to one person, you can use the memo to reinforce the idea that the gift is for both parties.

If you are sending the cheque in the mail, make sure you put it in a card and envelope. This will ensure the cheque doesn't get lost and will keep it in a secure place. It's also a nice touch to include a meaningful wedding card message to the couple.

Gift it inside a wedding card

Giving a check as a wedding gift is a great way to ensure the couple gets exactly what they want. It's also a safe option, as only the person whose name is on the check can deposit it, and you can cancel it if it gets lost or stolen. Here are some tips for gifting a check inside a wedding card:

Use Both Couple's Premarried or Maiden Names

Use both the couple's premarried or maiden names on the check. This is important because one or both of them might plan to change their last names after the wedding, but they will likely want to cash the check before that. Using both their premarried names also allows either member of the couple to cash the check, especially if they have separate bank accounts.

Stick to Using "Or" Instead of "And"

Use the word "Or" instead of "And" between their names. For example, write "Kim Jones or Jackie Garcia" instead of "Kim Jones and Jackie Garcia." This ensures that either partner can endorse and deposit the check into their individual accounts without the other's signature. Using "and" would require both of their signatures and might necessitate a joint account.

Avoid Assumptions About Name Changes

Always double-check the names on the wedding check and avoid making assumptions about name changes. Don't assume that a heterosexual couple has gone with the traditional route of the bride taking the husband's last name. Also, refrain from assuming that a couple who hyphenated their last names did so in alphabetical order. Clarify their official new names with someone close to the couple if you're unsure.

Include a Memo

Although optional, consider including a memo on the check, such as "To the newlyweds!" This reinforces the idea that the gift is for both partners, especially if you've addressed the check to only one person.

Ensure You Have Sufficient Funds

Before writing the check, make sure you have the appropriate funds in your bank account. You don't want the check to bounce when the couple deposits it, which could happen a few weeks after the wedding. Ensure your account has enough funds to cover the check amount, especially if you have automatic bill payments or rent deductions.

Use Permanent Ink and Fill Out All Sections

Use permanent ink to prevent check fraud and fill out all sections of the check properly. Write the current date (or the wedding date if you're giving the gift on that day), the numeric gift amount, and spell out the amount in words. Strike out the remainder of the field after writing out the amount. Don't forget to sign the check to authorize it for cashing!

Include a Thoughtful Wedding Card Message

Including a meaningful wedding card message along with your check is not only an etiquette-approved gesture but also a way to express your sentiments and congratulations. It adds a personal touch and makes your wedding check stand out from others.

Frequently asked questions