How to endorse a check in 4 easy steps: A beginner’s guide

If you're holding a check and not sure what to do with it, you're not alone. Endorsing a check is a crucial step to ensure the money goes where it should, whether into your bank account or someone else’s. 

Next, we walk you through how to endorse a check correctly and common mistakes to avoid.

How to endorse a check

The steps may differ slightly depending on the check or deposit type, but most check endorsements follow 4 basic steps:

• Flip it over. Turn the check over to the back side. You'll see a few lines on one side or a box designated for your signature.

• Write "For deposit only." If you're depositing the check directly into your account, write "For deposit only" above the line where you sign your name. This ensures the check can only be deposited into an account in your name.

• Sign your name. Sign your legal name on the designated line using blue or black ink.

• Add account details (if needed). Some banks may require additional information, such as your account number or a second endorsement line.

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Once you endorse the check, you can take it to the bank or deposit it via mobile app, if your bank offers that.

What does it mean to endorse a check?

Endorsing a check means you’re giving the bank permission to deposit or cash the money. This is how you authorize the amount on the check to either be deposited into an account or converted into cash. Without your signature, the bank may not accept the check. Or worse, it could be misused.

3 types of check endorsements (and when to use them)

Endorsing a check means you give the bank permission to deposit or cash the money. Your signature on the back confirms that you’re the rightful recipient and agree to the terms. There are a few different endorsement types, depending on what you need to do:

1. Blank endorsement. Just sign your name. This is the most common, but also the riskiest. If someone else finds the check, they could try to cash it.

2. Restrictive endorsement. Write “For deposit only” and then sign. This ensures the check can only be deposited into your account.

3. Special endorsement. Write “Pay to the order of [Name]” if you want to give the check to someone else. Then sign underneath. This turns it into a third-party check. Some banks accept these, but not all.

Check endorsement and security tips to follow

Follow these check-endorsing habits to avoid delays or the potential for fraud:

• Wait to endorse until you’re at the bank or ready to deposit.

• Use a pen, preferably black or blue ink.

• Don’t sign below the endorsement area (it could void the check).

• Keep the check in a safe place until you’re done depositing it.

For mobile deposits, double-check that your bank allows them and hold onto the check until the money clears.

Endorsing a check might feel old-school, but many businesses and people still use them, so it’s still an essential skill, especially for teens learning the ropes of money management. Whether you're cashing, depositing, or passing it along to someone else, the proper endorsement helps keep your funds safe.

FAQs 

Can you deposit a check on Greenlight?

Greenlight doesn’t currently support mobile check deposits. But you can set up direct deposit for paychecks and transfer money into your child’s account from your bank.

Can I deposit a check that’s not in my name?

You can deposit a check not written out to you if the check is made payable to you. They can either endorse the check and write "Pay to the Order of [Recipient's Name]," or they can write “For deposit only” and then endorse it. 

What happens if I forget to endorse a check before depositing it?

It depends on the bank. Some banks will accept it anyway if you’re depositing it into your own account. Other banks may reject an unendorsed check. It's generally safer and more secure to endorse it before depositing.

Can a check be endorsed with a stamp instead of a signature?

Generally, yes. Businesses often use an endorsement stamp instead of a handwritten signature.

Can I endorse a check to multiple people?

Yes, but it depends on how the check is written. If it says “and,” both people must sign. If it says “or,” either one can endorse it. Some banks may have additional rules, so it’s best to ask first.

Is it safe to just sign the back of a check and leave it blank?

No. A blank endorsement makes it easier for someone else to cash the check if it’s lost or stolen. Add “For deposit only” to keep your money safer.

Can an endorsed check be cashed by anyone?

If a check is endorsed without specifics (like "For Deposit Only"), it could potentially be cashed by anyone. Specific endorsements add a layer of security.

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