Third Party Check
A third party check is generally a double-endorsed check (at least the meaning most people care about). The check is transferred when the payee endorses the check by signing the back (including the words "pay to the order of-") and then passes the check to a subsequent holder, who endorses it prior to cashing it. The new holder has the same legal rights as the original endorser, and is free to negotiate the check himself either by endorsing the back of the instrument and depositing it, or by exchanging it for cash at a bank teller. The Uniform Commercial Code allows transfer of a check to a new owner any number of times. In practice, however, multiple endorsed checks are uncommon, and banks may be reluctant to accept them without verifying signatures of endorsers.
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Call the bank you do business with and ask if they cash third party checks. Explain the situation and ask how you should proceed. Be aware that many banks have a very strict no third party check rule stemming from 9/11 and fears of terrorist attempts to launder or maneuver funds. Even if your bank refuses to cash a third party check, they may allow you to deposit the check into your account and place a hold on it until it clears.
Another option is to visit the nearest branch of the bank the check was drawn on. You will need to endorse it and provide identification. The originating bank is more likely to cash a third party check because they can quickly determine whether or not the funds to cover the check are available.
Beyond these, you may need to get the person who gave you the check to cash it or deposit it and write a check to you. Your last ditch effort would be to go to a check cashing agency.
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