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The Daily Insight Hub

How do you cash a check made out to a deceased parent?

Author

Emma Miller

Updated on February 01, 2026

The check became legal as soon as the deceased wrote it, so you can take it to your bank and deposit it just as you would any other check. As long as the deceased’s account is still open with money in it, the bank should honor the check.

How do you sign a deceased person’s check?

Much of the process involves paying bills, expenses and taxes, and to do that, you’ll need to sign checks from the deceased’s bank account. Most people do this by opening a separate bank account in the name of the estate. Then, you can sign checks with your usual signature as the account executor.

Can I deposit a check made out to my deceased father?

Checks payable to a deceased individual can’t be deposited into a personal account, even if you’re the beneficiary or spouse. You can contact the check issuer and request the check be issued to you instead. An estate account typically is required.

How do we cash / deposit checks made out to deceased parent?

We are not going through probate as mom had no real assets (residing in CA – less than 150,000 in assets). We are in possession of will and death certificate. I am named as the executor of the will. At this time we are not planning to go through any legal process to finalize the execution of the will as it is quite simple.

Can a child access a deceased parent’s bank account?

The law grants immediate access to the bank accounts of deceased parents only to the executor of the will. Children and other heirs are not authorized to withdraw funds or otherwise tamper with such accounts, even if the will entitles them to a share of the funds, unless they themselves have been named as an executor.

Where can I get a death certificate for a deceased parent?

Form PD F 5336 is available in downloadable form on the Treasury Direct website. Take the completed form, the bonds, personal identification and proof of death to a bank or other financial institution, and sign the bonds and form in the presence of an authorized bank officer.

What happens to a death check after death?

In some states, such as California, the bank typically will honor checks for up to 10 days after death. After that, the account might be frozen while the executor sorts out the deceased’s final bills. At this point, you’ll likely have to file a claim against the estate for the check amount and get in line with the deceased’s other creditors.