How the names of account holders are printed on a checking account is a matter of preference.  There is no regulation that banks must follow that governs how names are to be printed on their checks.

Banks and bank account holders are not required to have both account holders’ names on a joint checking account printed on their checks nor are they required to have one over the other.  In fact, nether name can be printed on the check if the account holder chooses.

Most banks will have the owners name printed on the check to match the way the account is held.  The general format for printing the owners’ names on a joint account check is the same format used for an individual account, with the addition of the name of the joint owner of the account also included.  The order in which the names are printed does not matter.  If there is one account holder, the owner’s legal name is printed on the check as it is on the account agreement and if there are two joint account owners, both names are usually printed on the checks.

Individual banks may have their own policy regarding content on a check and may require that all or at least one name be printed on the face of the check.  Consumers may also want to consider whether negotiating payment with the check may be more difficult if content regarding the account holders name or names is omitted.  Electronic verification systems and electronic funds transmissions has greatly reduced check fraud with vendors however, presenting a check without the account holders name on it may pose a problem with some merchants and vendors.

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