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Tax refund check sent to UK address - how to deposit?

Tax refund check sent to UK address - how to deposit?

Old Apr 11th 2019, 10:03 pm
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Default Tax refund check sent to UK address - how to deposit?

My tax refund was sent to my UK address. The check has my UK address on the front.

Can I cash this at my US bank (despite it having a UK address printed)?

Or should I cash this at my UK bank (will they accept a US check?)


Many thanks for any info
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Old Apr 11th 2019, 10:17 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

A British bank will take it and collect it for you, but undoubtedly will utterly screw you with fees and a crappy exchange rate.

It is highly unlikely that your US bank will pay any attention to the address, so long as your name matches and you are an established customer. Checks in the US (and UK) are processed by machines whenever possible, so it is unlikely that the check would even be looked at by an actual human being.

I am not sure why you would "cash" it in either country, I presume you mean "deposit" it. Walking into a bank and asking to receive cash for a check, especially a tax refund check, is one sure way to draw attention to yourself and have the check scrutinized by the teller and/or flagged for further investigation. Even if you want cash, I would recommend depositing it and drawing the cash later, after the funds have cleared, which would typically be the next business day.
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Old Apr 11th 2019, 10:19 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

Yeah sorry, meant deposit.

Sounds like the best bet is to try and do it via my US bank then, didnt know if they would care about them printing the address.
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Old Apr 11th 2019, 10:24 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

Originally Posted by dbr84 View Post
…. Sounds like the best bet is to try and do it via my US bank then, didnt know if they would care about them printing the address.
The worst that could happen is your bank asks you for evidence that that is your address, but I would be astounded if they even notice, or even look at the check other than the amount.
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Old Apr 11th 2019, 11:18 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

Deposit it in the ATM
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Old Apr 12th 2019, 1:16 am
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Default Re: Tax refund check sent to UK address - how to deposit?

Originally Posted by Hotscot View Post
Deposit it in the ATM
Good advice. …. Especially if it is an ATM that scans the check directly, rather than using an envelope and consigning the deposit for manual processing.
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Old Apr 12th 2019, 6:22 am
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Default Re: Tax refund check sent to UK address - how to deposit?

And direct deposit into your US bank account is a really good idea for future tax refunds. That's what I do.
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Old Apr 12th 2019, 9:15 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

Originally Posted by kevntrace View Post
And direct deposit into your US bank account is a really good idea for future tax refunds. That's what I do.
+1

I can’t remember the last time I received a physical check from the IRS. The first year living here in the UK the Louisiana IRS sent me a physical check for my refund. I used mobile check deposit to put it into my US bank.
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Old Apr 13th 2019, 12:22 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

Unless I'm missing something obvious, can you just scan it on your US Bank app? As most people say the address could be Timbuktu, we just deposited an IRS check with our SoCal address still on it.
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Old Apr 13th 2019, 1:00 pm
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Default Re: Tax refund check sent to UK address - how to deposit?

Originally Posted by durham_lad View Post

+2

I can’t remember the last time I received a physical check from the IRS. ....
Me neither, it was at least six years ago.
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