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Is a letter sufficient to cash a check?

Question: 
My friend who's currently incarcerated sent me to pick up her final paycheck from the Goodwill. After receiving the check, she sent me a letter giving me full permission to deposit and cash the check and spend the money as I see fit. With her behind bars, I can't have her sign the check over to me. She told me to do it myself over the phone but I was just wondering if the letter she sent me would be sufficient for me to legally cash it.
Answer: 

by Randy Carey:

You would need a power of attorney or you might be joining your friend soon.

Answer: 

by John Burnett:

It's possible, though doubtful, that your friend's letter from "inside" giving you permission to cash the check would meet minimal requirements for a limited power of attorney in your state. I'm certainly not in a position to say that it is or isn't; a lawyer in your state might tell you. But even if it met the bare letter of the law in your state, I think most banks would not accept it as valid, and would refuse to cash the check.

First published on 09/09/2018

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