How to Endorse a Check

When you hear the word “Endorse a check”, it simply means signing a check. Hence, when you’re issued a check, the first thing you’ll want to do is to rush to the bank to cash the check.

On the other hand, you might want to deposit the check. But to do that, you’ll have to endorse the check.

Hence, by signing the check, you’re simply supporting the fact that the check was issued in your name. And also, that you’re the person whose name is in front of the heck.Endorse a Check

In this article, we will guide you on how to endorse a check. So, if you just got a check, this article is a must-read for you.

Having said that, let’s guide you on how to endorse that check.

How to Endorse a Check

The steps involved in endorsing a check are brief and simple to understand. Hence, simply follow the steps below to endorse your check:

First, flip your check over, and at the end of the check, you’ll find the word “Endorse Here”.

Now, to endorse the check, just put your name in the appropriate line. Hence, you’ll see an instruction telling you not to sign, and stamp below the bottom line.

Hence, if the check is horizontal, the back of the check will be horizontal as well. All you have to do is follow the instructions at the back of the check to endorse the check.

SEE ALSO:  Jeep Mastercard Review

Once you’ve done that, the next step is to take the check to the bank where you’ll deposit it.

Thus, you can either deposit the check into your account or cash out the exact money on the check.

Who Endorses a Check?

The person who can endorse a check is the person receiving the check. Hence, the name written on the “Pay to the Order of” line is the person to endorse the check.

How to Endorse a Check for Deposit Purpose Only

To endorse a check for deposit only, follow the steps below:

  • First, turn over the check to the back of the check.
  • Next, in the endorsement area write the words “For Deposit Only” in small but clear letters.
  • Then, below where you wrote “For Deposit Only” sign there to complete the endorsement.
  • However, you can make the check extra secure by adding your account number.

How to Endorse a Check for Mobile Deposit

To cash a check over the phone, follow these steps:

  • Locate the endorsement area at the back of the check and write the words “Mobile Deposit”.
  • Also, make sure you include your signature after writing the word “Mobile Deposit”.
  • Now, open your bank’s mobile app and navigate to the menu.
  • Under the menu, select the check deposit option.
  • Then, follow the instructions after that to cash a check on your banking mobile app
  • However, the instruction may include; a picture of the front and back of your endorsed check. Also, verify the amount on the check.
SEE ALSO:  How to Activate a Credit Card With Ease | DIY

How to Endorse a Business Check

To endorse a business check, follow the steps below:

  • First, turn over the check to the back of the check.
  • Next, locate the endorsement area and write the name of the business.
  • Hence, note to write it the same way it was written in the “Pay to the Order of” line.
  • Now, sign your name, and write your title with the company. Thus, be sure to write all of this info in the approved endorsement space.

How to Endorse a Check for an underage

Follow the steps below to endorse a check for a minor:

  • First, turn over the check to the back of the check.
  • Next, locate the endorsement area and write the child’s name with a hyphen and the word “minor”. This is to indicate that the child is a minor.
  • Now, write your name with a hyphen indicating your relationship with the child.
  • Finally, sign your name to endorse the check.


Ref 1


To sum it up, this article contains all you need to know on how to endorse a check.

So, if you have a check, this guide is a must-read. But, if you have any questions, leave them in the comments.

SEE ALSO:  Synchrony Bank Credit Card List (SYNCB)

Having said that, thank you for reading!

What are the different types of check endorsements?

Let’s break down the three main types of check endorsements:

First, we have the Blank Endorsement:

  • You simply sign your name on the back of the check.
  • It’s the easiest and most convenient, but it’s not very secure because anyone can use the check.
  • You can deposit it at the bank, an ATM, or with a mobile app.

Next, there’s the Restrictive Endorsement:

  • With this one, you write “For deposit only” on the back.
  • This means the check can only be deposited, not cashed.
  • It’s a safer option compared to a blank endorsement.

Lastly, we have the Special Endorsement:

  • This type lets you give the check to someone else.
  • You write “Pay to the order of [person’s name]” on the back and sign it.
  • However, be cautious because there’s a risk of someone forging your signature, so banks might be careful when cashing it.

In summary, how you sign the back of a check determines what you can do with it and how safe it is. Blank is easy but not very secure, restrictive limits it to deposit only, and special allows you to give it to someone else but carries some risk.