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I was the only person inheriting from mom, her only child. What I was doing was for convenience. If one is doing same in order to secret funds or for any other nefarious reason, that would be a bad thing.
Folks, you don't have to run to the bank and tell them someone has passed.
You might consider asking an attorney whether the bank has a legitimate position. But don't ask an attorney with a close relationship with the bank. Also don't pay much for the attorney's opinion.
If your bank has several branches and you can make a deposit through an ATM, then try depositing the check and see what happens. It might slide past the electronic screening. But don't use your mother's ATM card, because the bank is likely to recognize that card.
Also, could her younger sister make the check payable to you? Then you would deposit it in your separate account. It might work and it might not. Don't spend the funds for at least two weeks. Remember a bank is never on your side--unless you are a large depositor.
I know some people who had to do this. It's difficult to get an company to issue a check in the name of anyone other than the named payable party. They may issue it to the Estate of the decedent, but you would need an Estate bank account to deposit it, which you can't get without an estate case being opened. Good luck.
I have a refund cheque from the NH made payable to "the estate of ..." and when the government death benefit arrives it will likely be made payable the same way. I have spoken with her bank. All I have to do is go to her bank with the two cheques payable to the estate of along with a notarial copy of her Will showing me to be the executor and sole beneficiary and they will wind things up on the spot.
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