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)
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