Your stroll on cloud nine is briefly brought down to earth, however, when the diligent bank teller stalls your efforts for a pre-honeymoon deposit of your wedding checks into the account you and your spouse—and your maiden name—shared prior to your betrothal. The rules state that payee names must match the account names, so until you have time to make an official change, any check deposits made out to your new last name may need to wait. To avoid inconveniences like this after your big day, change your name on all of your financial accounts as soon as possible. Learn how the process works at many of the biggest U.S. banks and what you can expect.
Why You Need To Change Your Name on Your Accounts
If your name changes, it’s important to update all of your accounts to keep them secure and avoid problems when trying to access them. In a world where data breaches are rampant, your identity is frequently verified using your name and government-issued identification, among other personal information. Mismatches can lead to problems that make it very inconvenient when trying to go about your normal business.
How To Change Your Name on Financial Accounts
Many banking institutions require you to reach out in person with supporting documentation to request a name change after getting married. Others may let you make the request via mail, phone, or fax. However, you’ll typically need to provide a valid government-issued ID along with your marriage certificate. (Be sure to check whether you need the original or a notarized copy). Here are a few examples:
Social Security Administration (SSA): The first place you should change your name is with the Social Security Administration. You’ll need to apply with original or certified copies of supporting documents. You can do so at your local Social Security office or by mail. Department of Motor Vehicles: Next, head to the authority on motor vehicles in your state to update your name on your driver’s license, vehicle title, vehicle registration, and voter card. Typically, they’ll verify your information with the Social Security Administration, requiring you to submit an application and several supporting documents. Passport: You will also want to update your passport if you have one. You can typically do so via mail by completing the DS-5504 form if you’ve had the passport for less than one year or the DS-82 if it’s been longer. For both, you’ll need to send in the required documents (your most recent passport, marriage certificate, passport photo, etc.). Depending on when your passport was originally issued, there may be a fee. Other financial accounts: Ensure all of your financial accounts are updated, including investment accounts, loans, leases, mortgages, credit cards, insurance policies, loyalty accounts, and your will. The processes for these will likely be similar to the process with your bank. Personal accounts: Lastly, you may want to update your email address and social media profiles. You can typically do this online without the need to show proof.
