Checks made payable to a deceased customer

CEO at a bank ($95MUSA)

How do other banks handle checks made payable to a deceased customer? If you know the person trying to act on the check has been made executor do you allow them to cash the check or do you make them put it in an estate account? Also, if the check is made payable to the decease customer in care of their son/daughter, is there any difference on how you treat that check?

  • SVP at a bank ($483MUSA)

    I would have them deposit it into the estate account. I would not cash the check. If the check is payable to the deceases in care of their son/daughter I would still require it to be deposited into an estate account. The executor of the estate can then determine where the funds should go.