Endorsing a check sounds simple, but the wrong signature can delay your deposit or cause the check to bounce back. This guide explains how to endorse any check correctly, the different endorsement types, and step-by-step examples you can follow.
What It Means To Endorse a Check
Endorsing a check is the process of signing the back to authorize your bank to deposit or cash it. Without a proper endorsement, the bank cannot complete the transaction.
The endorsement section is usually a small boxed area with the words Endorse Here.
Where To Sign on the Back of a Check
Turn the check over and look for the endorsement box on the right side. Sign only in this boxed area. Do not write outside the lines, and avoid adding unnecessary notes or markings.
Types of Check Endorsements
Blank endorsement (most common)
A blank endorsement is simply your signature. It allows the bank to deposit or cash the check for you. Use this when you are physically present at your bank or depositing via ATM.
Example:
Signature: John R Smith
Restrictive endorsement
This endorsement limits what can be done with the check. Most people use this option for mobile deposits or mailing deposits.
Example:
For deposit only
Bank Name: First Credit Bank
Account Number: 123456789
Signature: John R Smith
You can shorten it to: For deposit only to account 123456789 + your signature.
Endorsement for mobile deposit
Some banks require special wording for mobile app deposits.
Example:
For mobile deposit only
Account 123456789
Signature: John R Smith
Always check your bank app for exact instructions.
Third-party endorsement (signing a check over to someone else)
This endorsement lets you transfer a check to another person. Not all banks accept third-party checks, so confirm first.
Example:
Pay to the order of Sarah J Brown
Signature: John R Smith
Business endorsement
Business checks must be endorsed using the legal business name listed on the check.
Example:
ABC Home Repair LLC
Signature: John R Smith, Owner
How To Endorse a Check Step-by-Step
Step 1: Wait until you are ready to deposit
Do not sign the check early. Once endorsed, anyone holding the check may be able to cash it depending on your endorsement type.
Step 2: Turn the check over
Locate the endorsement box. Sign neatly inside the boxed area only.
Step 3: Choose the correct endorsement type
Use a blank endorsement for in-person deposits, a restrictive endorsement for safety, or mobile deposit wording if required by your bank.
Step 4: Sign clearly
Your signature should match the name written on the front of the check. If the name is misspelled, sign the wrong version first, then the correct version.
Step 5: Deposit the check
Your endorsement authorizes the bank to process your check. Once deposited, store the check in a safe place for a few days and then destroy it if your bank recommends it.
Common Endorsement Mistakes To Avoid
- Signing outside the endorsement box
- Endorsing the check before arriving at the bank
- Using the wrong endorsement for mobile deposits
- Misspelling your signature
- Endorsing a third-party check at a bank that does not accept them
Examples of Correct Endorsements
Standard deposit
John R Smith
Restrictive deposit
For deposit only to account 123456789
John R Smith
Mobile deposit
For mobile deposit only
Account 123456789
John R Smith
Signing over to someone else
Pay to the order of Sarah J Brown
John R Smith
When a Bank Can Reject Your Endorsement
Banks can refuse a check if the endorsement is unclear, the signature does not match, additional writing is outside the box, or the check appears altered. Third-party endorsements are commonly rejected unless both parties are present at the bank.
People Also Ask
Can you deposit a check without endorsing it?
Some banks allow it for mobile deposit, but most require at least a signature for in-person deposits.
Do I have to sign my full name?
Your endorsement should match the payee name on the check as closely as possible.
Can I endorse a check to someone else?
Yes, but not all banks accept third-party checks. Always check first.
Where do I endorse a check?
Sign only in the endorsement box on the back of the check.
Do both people need to sign a joint check?
Yes. Checks made out to two people typically require both signatures unless marked with the word OR between the names.
People Also Search For
- How to sign a check the right way
- How to deposit a check safely
- Mobile deposit endorsement rules
- How to sign over a check to someone else
- Why banks reject endorsed checks
- How to endorse a government check
- How to endorse a business check
- What happens if you sign in the wrong place
- How to fix a bad endorsement
- Tips for mobile check deposits
Conclusion
Endorsing a check correctly helps prevent delays, rejection, or security issues. By choosing the right endorsement type, signing clearly, and following simple steps, you can deposit or cash any check with confidence.
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