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Income Tax Guidelines

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Guidelines for your Income Tax refund check endorsements

Just a few reminders on how to properly endorse your IRS tax refund check.

  • All checks must be signed by all payees. “For Deposit Only” will not be accepted unless it is accompanied by all payee signatures.
  • If the check is payable to more than one individual, it must be deposited into a joint account with both payees as signers.
  • If a joint account is not set up, then both parties must be present to cash or deposit the check (please contact the credit union for further instructions on this type of transaction). Both individuals must sign the receipt for the cash. A valid driver’s license or state issued ID must be presented at the time of the transaction.

Following these procedures is very important because the federal government has up to 7 years to reclaim the funds if they discover that the payees did not have proper access to the funds being cashed or deposited.

These procedures should also be followed if you mail in deposits or use the night deposit at the credit union.

If you have any questions, please contact us.

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