Does the 60 day rollover rule apply to me if the check was written to the bank?

Retirement

Sorry if this is supposed to be common knowledge I'm still learning about this stuff :( I initiated a rollover from my previous employer's 403b through Empower and they sent me a check (IIRC sending a check to me was the only option). My ROTH IRA is through my personal bank and the check was made out to the the bank. Does the 60 day rule still apply to me? I'm freaking out a bit, I tried looking it up and I'm getting mixed answers. I did try calling my bank but had to leave a message so still waiting on a call back... I literally just learned about this penalty yesterday and just saw my check was printed on 10/28/25... I completely forgot about it and my bank is also 1.5 hours away so it's been hard to make it up there with work and all. UGH I'm so mad at myself!!! Any help is appreciated

Posted Dec 29, 2025, 6:27 PM UTC

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