Deborah Chan
There are many things to consider when addressing a check for a wedding. Firstly, it is important to use the correct names and format to ensure the couple can cash the check without any issues. This includes avoiding the use of titles such as Mr. and Mrs. and instead using the couple's pre-married names, separated by the word “or” rather than and. This allows either member of the couple to deposit the check into their individual account without the endorsement of the other. It is also a good idea to include a memo to indicate that the check is a wedding gift, especially if it is only addressed to one person. Additionally, it is recommended to write the date of the check and the couple's wedding date if giving the gift on their wedding day.
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What You'll Learn
Use or instead of and between names
When addressing a wedding cheque to a couple, it is best to use "or" instead of "and" between their names. This is because using "or" is less restrictive than using "and" when it comes to how the cheque is endorsed and deposited. With "or", either partner can endorse and deposit the cheque into their individual account without the other's endorsement. On the other hand, using "and" would require both signatures for the cheque to be processed.
For example, if the couple's names are Kim Jones and Jackie Garcia, the cheque should be addressed to "Kim Jones or Jackie Garcia". This way, either of them can deposit the cheque without the other's involvement.
It is also important to use the couple's pre-married names on the cheque. This is because one or both of them may plan to change their last names after the wedding, but they may want to cash the cheque before the paperwork is filed. Even if they cash it after the wedding, the name-changing process takes time, and they could face issues with the bank if the cheque is addressed to their not-yet-official new names.
Additionally, using one person's name on the cheque can make it easier for the couple to cash the gift. People don't always have joint bank accounts, so using "or" between the two names or addressing the cheque to only one person can make it easier for the couple to access the funds.
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Avoid Mr. and Mrs
When addressing a wedding cheque, it is best to avoid using "Mr. and Mrs." and other such honorifics. This is because, in many cases, the couple will face issues while depositing the cheque. Firstly, the couple may not share a bank account, and the person whose name is not on the account will be unable to deposit the cheque. Secondly, even if the couple does share a bank account, the name on the cheque will not match the name on the account until the name change is official, causing further complications.
To avoid this, it is recommended to use the couple's pre-wedding names. This way, the couple can deposit the cheque without any hassle, even before the name change is official. If you are unsure whether the person will be changing their last name, use their maiden name or the last name they had before the wedding. Using "'or' between the names" is also suggested, as it allows either person to deposit the cheque into their account without the other's endorsement. For example, "Kim Jones or Jackie Garcia".
If you are close to the couple, you may want to consider giving them cash or a digital gift instead of a cheque. This way, you can avoid the potential issues that may arise with depositing a cheque. However, if you choose to give a cheque, it is important to remember to write your name and address on the envelope, card, and cheque. This way, the couple will know who to thank, even if the cheque is misplaced or lost in transit.
Additionally, when it comes to delivering the cheque, it is best to avoid placing it on the gift table, as it may get lost. Instead, consider giving it to a close family member or a member of the wedding party. The wedding planner is often responsible for collecting all the gifts and ensuring they reach the couple, so they can be a good option as well.
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Write the date
When writing a wedding check, it is important to include the date. Always write the date of the day you are writing the check. If you are giving the gift on the day of the wedding, you can also use the couple's wedding date. Do not use the wedding date if you are sending the check after the wedding. This is called backdating and is illegal or fraudulent in some situations.
If you are mailing the check, address it to a permanent address where you know one or both members of the couple will receive it. This is to ensure that the check is not lost in the mail. If you are attending the wedding, you can also bring the check with you. In this case, give the check to a close family member of the newlyweds, a wedding party member, or the wedding planner. This is preferable to giving the gift directly to the couple, as it may get misplaced during the busy celebrations.
When writing the check, be sure to use the first and last names that you know best. If you are writing the check to both members of the couple, separate their names with "or" instead of "and". This will ensure that either person can cash the check without the other present. It is also important to note that not all women change their names after getting married, so it is best to avoid addressing the check with "Mr. and Mrs." and instead use their pre-married names.
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Write the numeric gift amount
When writing a wedding check, it is important to ensure that the couple can easily cash your gift. Here are some tips to keep in mind when filling out the numeric gift amount:
Firstly, determine the monetary amount you wish to give. As a general guideline, the amount can vary depending on your relationship with the couple and the culture you belong to. For instance, according to Zola, coworkers or distant relatives should spend around $50 to $75, friends or relatives $75 to $100, and close friends or family members $100 to $150 or more. If the couple has a cash registry, you can also refer to the suggested contributions listed there.
Once you have decided on the amount, write the full numeric value in the upper right section of the check. For example, if you are giving $150, write "150.00" in the box. On the line below the "Pay to the order of" field, write out the dollar amount in words, such as "One hundred fifty and 0/100". Be sure to draw a line through the remainder of the field to the word "dollar" at the end. It is crucial that the written amount matches the numeric amount to avoid any confusion or issues when cashing the check.
Additionally, consider writing an unusual amount that has a special meaning for you and the couple. For example, you could give them enough to purchase a specific item or experience they would enjoy. This adds a thoughtful and personalized touch to your gift.
Remember to sign the check to authorize it for cashing, and include the date. It is recommended to date the check a few days before the wedding or on the wedding day itself. Avoid dating it too early, as checks expire after a certain period, and you don't want it to become invalid before the couple has a chance to cash it.
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Write the name of the recipient/s
When addressing a wedding cheque to the couple, it is recommended to use their pre-married names. This is because they may want to cash the cheque before the name-changing process, which takes time, or one of them may go to the bank alone. Using both their pre-married names and separating them with "or" instead of "and" will ensure that either member of the couple can cash the cheque into their account without the other present. For example, "Kim Jones or Jackie Garcia".
If you are unsure about the couple's name preferences, it is best to address them how they want to be addressed. You can ask the couple or someone close to them. If you are writing a cheque to a male cousin and his new wife, it may be safer to write the cheque using his name only. If you are writing a cheque to a same-sex couple, avoid the heteronormative tradition of "Mr. and Mrs." and instead use their first and last names.
It is also possible to address the cheque to only one half of the couple. You can use the memo line to indicate that it is a wedding gift for both of them. This is a simple solution as it avoids having to get both names right and clearly writing "or".
If you are writing a cheque to your cousin and their new wife, it is important to remember that not all women change their names. Writing a cheque addressed to your cousin and his wife with only his last name for both of them may cause problems. It is best to use the bride's maiden name.
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Frequently asked questions
It is recommended to use the pre-married names of the newlyweds and separate their names with the word “or”. For example, "Kim Jones or Jackie Garcia". This ensures that either of the newlyweds can cash the cheque into their individual accounts without the need for multiple signatures.
It is important to double-check the spelling and the names of the newlyweds. Avoid using titles such as "Mr." and "Mrs." as not all women change their names, and this may cause problems when depositing the cheque. It is also recommended to write the exact date the cheque was written and include an optional memo, such as "To the newlyweds!".
If you are bringing the cheque to the wedding, it is suggested to give it to a close family member, a wedding party member, or the wedding planner, instead of placing it on the gift table. This ensures that the gift does not get lost. Don't forget to write your name and address on the envelope, card, and cheque.
Yes, you can give cash or transfer money digitally through a cash registry, such as The Knot Cash Funds. Other digital payment options include Venmo or other similar apps, although this may be considered gauche by some.
