How to sign a check for a minor
From birthday money to holiday gifts to that first summer job, your kids might get checks for plenty of reasons. But since most banks don’t let minors open their own accounts, it’s not always obvious how to handle a check made out to your child.
So what now? Can you just sign it and move on? Do they have to be with you at the bank?
Here’s a quick guide for parents to make sure everything goes smoothly when signing and depositing a check for a minor.
Why you can’t just sign your name (even if you’re the parent)
When your child receives a check in their name, you can’t just sign your name and deposit it into your account. Banks usually need more than that, even if you’re the one managing their money or listed as the primary account holder.
That’s because minors (typically under 18) can’t legally endorse checks or enter into financial agreements independently. So, banks usually want you to sign for your child in a way that clearly shows you’re their parent or guardian, not just someone cashing the check.
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How to sign a check made out to a minor
Here’s what to do, step by step.
Step 1: See how the check is written
First, look at the "Pay to the order of" line. If it’s made out to:
Your child’s name only. You’ll need to endorse it on their behalf.
Your name and your child’s name. You may be able to sign and deposit it more easily.
Your name “for” or “on behalf of” your child. You may be able to deposit it like any other check.
Quick tip: Not all banks follow the same rules for minor accounts and check endorsements. If you’re unsure, a quick call can clarify things before you head in.
Step 2: Use the correct format
If it’s made out to your child, sign the back like this:
[Child’s Name], minor, by [Your Name], parent or guardian
This shows the bank you’re signing the check as their parent, not pretending to be them.
Step 3: Add “for deposit only” if needed
Your bank might ask you to write something like “For deposit only to the account of [Child’s Name]” under your signature. That extra line helps the check land in the right account.
Where to deposit the check
Most banks will require you to deposit the check into an account in your child’s name. That could be a custodial, joint, or youth account, depending on what you’ve set up.
Some banks may not let you deposit a check written to your child into your account (unless your name is also listed on the check). And in some cases, they may want extra documentation, like your child’s birth certificate.
Every bank’s a little different. A quick call can save you from waiting in line only to be told to come back later.
If you are making a mobile deposit, ensure your endorsement meets your bank’s mobile check deposit requirements. These are sometimes stricter than in-person deposits.
Why a custodial account makes things easier
If your child receives checks regularly (or even just one big one), it might be time to open a custodial account. You manage these accounts (usually under UTMA or UGMA rules), but they are legally owned by your child.
They let you:
Deposit checks written to your child
Track and manage funds for future use
Start building financial habits together
And when paired with a Greenlight debit card, the #1 family finance and safety app, your child can even start learning how to earn, save, and spend with more independence (and your oversight).
Endorsing a check for your child might feel confusing the first time, but it’s simple once you know what to do. And if your child is starting to earn or receive more money, setting up an account together is a significant next step to build money skills and confidence.
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