How To Endorse A Check

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If someone gives you a check, you want to endorse it before you can cash it or deposit it in your checking account . Through your endorsement, you give the bank the right to process the check. you’ll simply sign the ask your name only, add restrictions for a way the bank should process the check, or sign the check to somebody else .

Endorsing a Third-Party Check

If someone pays you with a check and you would like handy that check to a third-person for a payment that you simply owe them, then you’ll do that with an endorsement. Write:

  • Pay to the order of [Person’s Name]
  • Then sign the check

This is not considered an honest practice to try to to , but it are often done. Some banks won’t accept third-party checks thanks to the danger of fraud and most check-cashing places won’t accept them either. Before doing this, confirm with the check writer’s bank and therefore the ultimate payee’s bank to form sure the banks will honor the check. It’s best to avoid this example by depositing the check and writing the third-person a replacement make sure directly pays them.

Blank Endorsement for a Check

This is the smallest amount secure thanks to endorse a check, but it’s the foremost common. you are doing a endorsement in blank by simply signing your name on the rear of the check. Then, when you’re at the bank, you tell the teller if you would like to cash it or deposit it. People also will do a endorsement in blank when they’re depositing a check through an ATM or using mobile deposit. If you’re doing a endorsement in blank , sign the check just before you deposit the check.

Matching Names

To be endorsed correctly, the name signed on the rear of the check must match the payee’s name on the front of the check. If your name was misspelled or written incorrectly, sign it with the wrong version, then sign again using your correct name.

Mailing, Depositing at ATM, and More

If you propose to mail the check to your bank, deposit it at an ATM, or carry it around for a short time , use a special approach. Either leave the check unsigned until you’re able to deposit, or add a restriction to the endorsement. Blank endorsements are risky because somebody else can steal the endorsed check and potentially cash it or deposit it to a special account.

Adding Restrictions to Your Endorsement

Write “For Deposit Only” on the highest endorsement line. This restrictive endorsement ensures that the check’s funds can only be deposited during a checking account in your name. If someone finds your check, they will not be ready to do anything with it.

This endorsement is effective if you’re mailing your check to the bank for deposit, or if you’re giving it to somebody else to deposit on your behalf.

Signing the check to somebody else

determine the bank’s policy on third-party checks. Banks do not have to simply accept checks signed over to somebody else (called “third-party checks”), and lots of banks refuse them. Before you sign your check to somebody else , call the bank where the person goes to require the check and confirm they accept checks endorsed this manner .

  • ask the person you are going to sign the check to and determine what bank or check cashing service they decide to use to cash or deposit the check.
  • Generally, the person will have better luck getting a third-party check accepted if they are going to a bank where they need an account and present the check for deposit. you’ll even have to travel with them to validate your signature.


  • counting on the quantity of the check, your bank may place a short lived hold on all or a part of the funds before releasing them to your checking account .


  • this text discusses the way to endorse a check under US law regarding negotiable instruments. If you reside in another country, your law could also be different. Consult a banker about the way to properly endorse a check.
  • If you receive a ask a later date thereon (a “post-dated” check), you are doing not need to wait until that date to cash or deposit the check. However, if your cash or deposit it early and therefore the bank accepts it, the check may bounce.
How To Endorse A Check

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