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Acceptance of Tax Refund Checks

Can I present my tax refund check for deposit or to cash without an endorsement, and will there be a hold on it? Can I deposit the check at a CO-OP Shared Branch?

Internal Revenue Service (IRS) checks as well as the rapid refund (Household Finance, etc) type checks may be subject to our hold policy.
Government checks must be endorsed by all parties.
- Regardless of the type of refund check, all tax checks must be endorsed by the payee(s). If two names appear on the face of the check, two names must be endorsed on the back of the check.
- Delta Community does not accept third party government checks.
Third party checks are not accepted.
To deposit a tax refund check, the check must be deposited into the payees account, designated by the name on the front of the check.
A tax refund check may be cashed if the payee is a member and branch management determines that there is no need for a hold of funds.

These policies are made for our members' protection and confidentiality. The IRS has strict regulations regarding tax refund checks and the Credit Union must uphold their guidelines as well as our own.

Acceptance of Tax Refund Checks

Can I present my tax refund check for deposit or to cash without an endorsement, and will there be a hold on it? Can I deposit the check at a CO-OP Shared Branch?

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EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency