Can a minor (age 5) endorse a check and receive cash?
by John Burnett, BOL Guru BIO AND CONTACT INFO
Question: Is it legal for a customer to make out a check to a minor (age 5) and then request the the bank on which the check is drawn to allow the minor to endorse the check and receive cash?
Answer: There's certainly nothing illegal about it. If the drawer is your customer and verifies that the short person in front of you is the payee on the check, I don't think you have any risk in humoring this customer and honoring the request. Of course, I assume the checks isn't for a significant amount (to you or me).
Perhaps this is an early childhood lesson in banking? If so, perhaps you should check the child's name on OFAC?
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