How to cash paycheck of a Deceased

How To Cash Paycheck Of A Deceased Person

Many of us know the emotional strain of losing the one you 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 paychecks and other checks. So the question that usually arises after the death of a loved one is, How to cash paycheck of a deceased? So keep on reading to know what to do in such cases

What happens to the paycheck 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 the support will be available to the beneficiary after the grant of the probe.

How to cash paycheck of a deceased? | Preliminary requirements

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

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 another proof of the death, maybe a hospital report or statement of 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.

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 by the deceased individual’s name.

Visiting the financial institute of the deceased

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 person’s bank. If the dead person makes a POB, he can cash the paycheck. Otherwise, the paycheck is transferred to the state’s account if no will is made.

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

Sometimes, the monthly paycheck is issued before the person dies. Afterward, their relatives 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 paycheck 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.
  • If no heir is made, the estate will consider the paycheck amount.

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

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

  • If you are the beneficiary to the deceased, you can cash the paycheck quickly if the probe is granted.
  • If not, you must get the probe given from the court first. Then you can cash the check.

What if the paycheck is on a joint account?

In some rare conditions, the paycheck of a deceased person is made on a joint account, and the check is also written on common names. In this scenario, the bank will not freeze the account, or the paycheck will not be canceled. 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 paycheck?

There are specific options after the legal proceedings and issuance of a new paycheck from the concerning you can cash a paycheck from the following places.

  • From the issuing bank

You can cash the deceased paycheck from the bank where the paycheck 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 paycheck 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 types of checks, including paychecks. But they charge some amount for their services; usually, they charge 10% of the check amount.

Why there is need to cash a paycheck of a deceased person

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 paycheck for funeral expenses.
  • Taking care of state laws.
  • To deal with the financial problems of the family.


Financial and legal proceedings are necessary to be made after the death of a person. 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 How to Cash Paycheck of a Deceased Person Please let us know in the comment if you have any queries.


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

Anyone of them 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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