#1908665 - 03/26/14 10:03 AM checks with FBO a minor. Gold Star Registered: 07/28/10 Posts: 455 Loc: PA. I believe if a redemption check from American Funds is payable to Mary Jones FBO Billy Jones PA/UTMA until age 21 means the check should be deposited into an UTMA account when the minor is not yet 21.