How to Endorse a Check for Deposit or Cashing Properly (2025 Guide)

Endorsing a check might seem simple, but doing it incorrectly can delay your deposit or even void the payment. Whether you’re cashing a paycheck, depositing at an ATM, or signing a check over to someone else, the right endorsement ensures smooth processing. This 2025 guide explains how to endorse different types of checks properly, when to add extra wording like “for deposit only,” and common mistakes to avoid.

What Does Endorsing a Check Mean?

To endorse a check means to sign the back of it so the bank or check-cashing location can verify you’re the rightful recipient. The endorsement authorizes the transfer or deposit of funds from the payer to you. Most checks have a designated endorsement area on the back — usually marked “Endorse here” — where your signature and any instructions should be written.

Types of Check Endorsements

There are three main types of endorsements: blank, restrictive, and third-party. Choosing the right one depends on how you plan to cash or deposit your check.
  • Blank endorsement: Simply signing your name. Used when cashing in person.
  • Restrictive endorsement: Adds a note such as “For deposit only to [Bank Name or Account #].” This is safest for mobile or ATM deposits.
  • Third-party endorsement: Signs the check over to another person. Include “Pay to the order of [Name]” before your signature.

How to Endorse a Check for Cashing

If you plan to cash your check at a grocery store or check-cashing location, use a blank endorsement. Sign your name exactly as it appears on the front of the check. Do not sign the check until you’re in front of the cashier or teller — many stores, like Kroger or Tops, require your signature to be witnessed in person.

How to Endorse a Check for Mobile Deposit

When depositing via your bank or prepaid card app, write a restrictive endorsement to prevent fraud. Sign your name and include one of the following lines below your signature:
  • “For mobile deposit only to [Bank Name]”
  • “For mobile deposit only” (if the app automatically links to your account)
Make sure the photo of your endorsement is clear and well lit. Apps such as Venmo, Apple Cash, and Cash App may reject checks with unclear endorsements.

How to Endorse a Check for ATM Deposit

For ATM deposits, always use a restrictive endorsement. Sign and write “For deposit only” beneath your name. Wells Fargo, Chase, and other major banks require this wording for all envelope-free deposits. Include your account number if requested, but never write personal information beyond what the bank specifies.

How to Endorse a Check to Someone Else (Third-Party)

If you want to sign a check over to another person, follow this exact format on the back: Pay to the order of [Recipient’s Full Name]
Your Signature Both parties should bring valid ID, as many retailers and banks verify identity before accepting third-party checks. Some locations, like Dollar General or CVS, do not accept them at all.

Common Check-Endorsement Mistakes

  • Signing the check before arriving at the store or teller window
  • Writing outside the endorsement area (can trigger rejection)
  • Leaving the back blank before depositing by mobile
  • Endorsing a check over to someone without their consent
  • Using nicknames or initials that don’t match the payee line

Endorsing Business or Government Checks

For business or government checks, always sign exactly as printed. If it’s made payable to your business, sign with the business name and your title beneath it (e.g., “ABC LLC — John Doe, Owner”). Government checks such as IRS or Social Security payments require valid ID and may not be accepted for third-party endorsement.

When to Add “For Deposit Only”

Add “For deposit only” any time you’re not receiving cash directly. This includes ATM deposits, mobile deposits, and any scenario where the check is going into an account. It prevents someone else from cashing it if it’s lost or stolen.

Final Thoughts

Endorsing a check properly protects you and ensures fast access to your money. Always sign in the correct space, match the name on the front, and use restrictive wording for deposits. For more help with cashing or depositing checks, visit our No-Bank Check-Cashing Guide or explore our full Check-Cashing Resources.