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I received my US federal tax return earlier this month. When I first looked at the check, I noticed it had a % symbol, followed by my mother's name on the line below the one with my name. It looks like:

MY NAME
% MOTHER'S NAME
111 EXAMPLE ROAD
AUSTIN TX 99999 9999

I thought this was odd, so I called my mother that evening, and she agreed that It was strange. I didn't think much of it until I tried to cash the check at Walmart, and they said I needed her present to do so.

Quick facts:

  • We both have the same mailing address
  • I filed as 'single' (I know this for a fact)
  • I received, and cashed without incident, my federal return last year (I do not recall if my mother's name was on the check).
  • My mother has not filed her federal taxes this year.
  • She claims (though I have no 1st hand materials by which to verify) that she did not claim me as a dependent last year.

My questions are as follows:

  • What can I do to get this check cashed?

Walmart wants her there in person with photo ID. We do not get along and only speak on occasion however, so this seems unlikely. I am going to take it to a bank tomorrow to open an account with and see if they take it.

  • Why?

I don't expect any IRS employees on this forum, but any info on what this means, how this happened, and/or how to prevent it would be greatly appreciated.

808st8ofmind
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2 Answers2

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The percent sign stands for "C/O", which means "Care Of." Care Of is just a part of a mailing address when you are addressing a letter to someone at someone else's house. With windowed envelopes, the entire mailing address is printed on the face of the check.

This is not a 2 party check; your mother's name is a part of your address. Try a real bank instead of Walmart, and see what they say. You should be able to cash it without your mother's cooperation.

Ben Miller
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My son received his check today and between his name and his father's name is a "%" symbol. I called our credit union today and they said our son only need be present to cash and/or deposit it. We did claim our son as a dependent so I'm figuring that is why that symbol is there. That or because my husband filled out the forms and filed them.

Brythan
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user29199
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