How To Cash Deceased Parent's Government Check

How To Cash Deceased Parent’s Government Check

Many of us know the emotional strain of losing the one we know. It may be a family member or your friend or colleague. After the death of loved ones, there come certain events when you have to deal with their social doings. Such includes making sure of their financial proceedings. It may consist of their government checks, including tax refund checks or stimulus checks. So the question that usually arises after the death of a loved one is, How To Cash Deceased Parent’s Government Check? So keep on reading to know what to do in such cases.

What happens to the check when someone dies?

When a person dies, his financial assets either become state property or go according to his will. The bank is either informed through the representative about the news. Or the committee cancels the social security number as soon as the person dies. When the social security number gets canceled, the bank is informed digitally.

The assets become frozen. Even if it’s a paycheck, it’s essential to inform the financial authorities of the deceased as soon as possible, and support will be available to the beneficiary after the grant of the probe.

Cash Deceased Parent’s Government Check

There are certain things you need to make sure of before you cash a deceased check.

Death certificate

The social security number gets canceled as soon as the person dies, and the state issues a death certificate. Make sure you have a duplicate copy of the death certificate. The bank may also ask for other proof of the death, maybe a hospital report or statement from the funeral director.

Confirming estate establishment

The primary step is to verify that no state is developed for the departed person. If you are the next of kin and an estate has not been established, you can open one in support of the deceased. If you are not the next of kin and an estate has not been developed, it is best to leave this issue in the hands of a legal professional. It’s the child’s responsibility to take care of their parent’s estate after their death.

Suppose there is an administrator for the state. Speak to them about what to do with the check. They may tell you to place it in their account until it’s figured out, as you’ll require their approval before you cash it yourself.

It is necessary to have all of your documents in order. To manage these sorts of transactions as successfully as possible, You will require a copy of the death certificate and a qualified duplicate of your power of attorney. Or a letter from the court of probate is naming you as executor or manager for any funds obtained in the deceased individual’s name.

Visiting the financial institute of your deceased parent

To know whether there is a will made for someone to cash or a person made payable on death(POB). It is necessary to visit the deceased parents’ bank. If the dead parent made a POB, he could cash the check. Otherwise, the paycheck is transferred to the state’s account if no will is made.

How to cash a government check issued before the deceased’s death?

Sometimes, the government issues payment checks (i.e., stimulus checks or tax refunds) before your parents die. Afterward, you want to cash the check. The situation becomes questionable then. The answer is that as the person dies, all previously drawn paychecks, if not cashed, become canceled.

Now the condition to cash the check will be employed in two ways:

  • If there is a beneficiary or POB made by the deceased, then he can cash the paycheck after the court grants the probe. Either it is transferred to you or all your siblings.
  • If no heir is made, the estate will consider the paycheck amount.

How to cash a government check issued after the deceased’s death?

After the death of a person, the check is issued on two conditions:

  • If you are the beneficiary to the deceased, you can cash the paycheck quickly if the probe is granted. (i.e., Will made for the family and kids.)
  • If not, you must get the probe given by the court first. Then you can cash the check.

What if the check is on a joint account?

In some rare conditions, your deceased parents’ check is made on a joint account, which is also written on common names. In this scenario, the bank will not freeze the account, and the government will not cancel the check. Also, there is no need to grant the probe for encashment. The other person that is joined to the account can cash the check with a legal death certificate of the deceased.

Where to cash the deceased parents’ government-issued check?

There are specific options after the legal proceedings and issuance of a new check from the government. You can cash the check from the following places.

  • From the issuing bank

You can cash the deceased parent’s check from the bank where the check is drawn. They will immediately provide you with the questionable amount on the check.

  • From the bank where you hold an account

You can also cash the deceased parent’s check from the bank where you hold an account. After a few verifications, they will either cash the amount or deposit it to your account after 2-3 business days.

  • Cashing from check cashing store

If you don’t want to visit the bank and save the hustle, you can cash it from the check-cashing stores. They provide the service of cashing various checks, including government checks. But they charge some amount for their services; usually, they charge 10% of the check amount.

  • Cashing it from retailers

You can also cash your deceased parent’s government-issued check from many retailers throughout the US. Such as Walmart, City Market, and Dillon. They charge $4 upto a check of $1000 and higher as the value increases.

How to cash a government check made out to deceased parents? That died many years ago, and the bank that was the executor of her estate has since been closed?

So if it’s over $100.00, you probably need to get a copy of the death certificate. Contact the respective government department that issued the check with the death certificate and your birth certificate to prove your relationship and have them rewrite the check for you.

Why do you need to cash deceased parents’ government checks?

Some social concerns require attention after the death of a loved one. These may be:

  • Securing the financial value of the dead person.
  • Administrating according to his will.
  • Cashing the check for funeral expenses.
  • Taking care of state laws.
  • To deal with the financial problems of the family.

How to deal with IRS checks of deceased parents?

To get a new check issued from the IRS, you will need the following things but ensure that the estate is developed for your deceased parents.

  • Death certificate of parents.
  • The issued check.
  • Copy of probe document.

After you have all these documents submit an appeal for the re-issuance of checks to your name. Within 21 days after verification, you will receive a new check.


Financial and legal proceedings must be made after a person’s death. So whether you are cashing their checks or resolving their accounts, please follow the state laws. By which you can quickly cash the deceased person’s check. Thanks for reading the article. Please let us know in the comment if you have any queries.


As long as the estate is established, the probe is released, and you are made the executor or POD, you can cash the check.

As long as you follow the legal proceedings and if you are the beneficiary of their account, you can cash her checks after their death.

Anyone can cash the paycheck as long they fulfill the legal proceedings.

Yes, you must first legally grant the probe from the state to know whether the deceased has made any will or a POB to deal with their financial proceedings after their death. If no possible will or beneficiary is found, all the deceased financial assets are transferred to the state.

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