How to Endorse/Deposit a Personal Check

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You endorse a personal check made out to you so that it may be transferred to another party. In this case, you are transferring the check to your bank or credit union account. Ask your particular financial institution about its specific policy regarding the time frame of when those funds that you deposit are available for you to access or withdraw.

Things You'll Need

  • Personal check
  • Pen
  • Deposit ticket
  • Flip the check over, so that it is upside down. One end on the back of the check is marked, "ENDORSE HERE" and has a line with an "X" beside it. Sign your name on the line beside the "X," just as your name appears on the front of the check. Use a pen.

  • Write the restriction "For Deposit Only" on the line beside the "X," if you have someone else depositing your check and you want to make certain that the check is fully deposited, not cashed. Sign your name on the next line below.

  • Complete a deposit ticket. You will find a deposit ticket either in the back of a pack of checks in your checkbook, or you can fill out a standard deposit ticket inside the financial institution. Write your account number on the deposit ticket if you fill out a ticket from the financial institution. Write the date and the correct amount of the check you endorsed in the corresponding boxes on the deposit ticket. Write the total of the deposit in the bottom boxes on the deposit ticket.

  • Present the signed check and the deposit ticket to a teller inside the financial institution. Or, at an ATM, place the signed check and deposit ticket into an envelope available at the ATM. Write your name, account number, and the amount of the deposit on the outside of the envelope. Slide or insert your card in the ATM and enter your PIN. Indicate that you wish to make a deposit, and insert the envelope into the ATM.

Tips & Warnings

  • Deposit a personal check promptly. A financial institution may refuse a check that is older than 6 months from the original issue date, considering it "stale dated."
  • Consider waiting until you arrive inside your bank or credit union to endorse the check. You don't want to endorse your check beforehand and then lose it before depositing it.

References

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