Instructions for Endorsing a Check

A check without a proper endorsement does not have a designated use or a documented processing trail. Check endorsements are required and recognized by the U.S. statutory and state law. Generally, endorsing a check is a simple process; however, additional care and attention is required in some circumstances. Checks can be endorsed with an account number, instructions and a signature to indicate whether or not it will be cashed, deposited or otherwise. Here a few basic instructions for endorsing a check.

Things You'll Need

• A dark non-erasable ink pen
• Identification if required
• Signature

Instructions

1. Turn check over to the back to endorse it.

2. Find the endorsement area on the back left side of the check. Most checks have an X with the words "endorse here" next to it.

3. Determine the use of the check. For example, if the check will be deposited write the words "For deposit only" in the endorsement area. Write the words "Pay to the order of" in the endorsement area when signing the check over to a third party. A signature and identification is required to cash the check.

4. Sign the endorsement. When the endorser signs below the endorsement area, it confirms and validates the endorsement. To clarify the identity of the payee, an account number can be written below the signature.

5. Release the check to the designated payee in the endorsement or to a financial institution. In some cases a deposit slip may be required along with the endorsed check.

Tips & Warnings

• Only endorse in the specified area

• Ask a teller if you have any doubt

• Use the correct endorsement

• Don't use purple ink

• Most check cashing institutions require two forms of identification

References

• Moneyville: Endorsing a Check

Resources

• Banking Questions: Banking Lingo