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@enduring_one The banks won’t allow anyone to cash it. My mom signed it in my brother’s name because he has part of her name. She has never been to the U.S and getting a visa takes a long time.

@harveyg She’s in West Africa. The reason we’re trying to cash it here is so my younger brother can use it for school. If we cash it there it’ll be hard to convert it back into dollars. I think the only international bank there that we could possibly use is Santander.

My older brother passed away in 2020. He had a life insurance through his job but didn’t add any beneficiaries. Our parents( divorced) became the beneficiaries automatically. The insurance company wrote two checks- one to my dad and the other to my mom. My mom is not in the U.S and doesn’t have...