How to Forward a Check to Someone Else

Checks remain a common method for financial transactions. When a check needs to be passed on to another individual or entity, understanding the correct and secure procedures is important. This guidance outlines the necessary actions for properly preparing and securely sending a check to someone else.

Endorsing a Check to Another Party

When the original payee of a check intends for another person or entity to receive the funds, a specific type of endorsement is required. This process, known as a special endorsement, legally transfers ownership of the check. To complete a special endorsement, the original payee should write “Pay to the order of [Recipient’s Name]” on the back of the check. Immediately below this statement, the original payee must then sign their own name exactly as it appears on the front of the check.

This action designates the new recipient as the sole party authorized to cash or deposit the check. Unlike a blank endorsement, a special endorsement protects the funds by linking them to a specific individual or organization. This is the appropriate method for forwarding a check to a different payee. Once properly endorsed, only the named recipient can legally present the check for payment.

Essential Preparations Before Sending

Before sending any check, especially one endorsed to another party, several preparatory steps help safeguard the transaction. Document the check by taking a clear photo or making a photocopy of both the front and back. This record provides details such as the check number, amount, and routing information, which are invaluable if the check is lost or stolen. Such documentation can simplify placing a stop payment order with the issuing bank, which usually incurs a fee ranging from $15 to $30.

Confirm the full and correct legal name and mailing address of the intended recipient to prevent misdelivery. Review the check’s front to confirm all fields, including the date, payee name, amount in both numerical and written form, and the original issuer’s signature, are accurately completed. For security, consider omitting a return address on the envelope or using a Post Office Box if available, as this can deter potential theft if the mail is intercepted.

Securely Sending the Check

After preparing the check, select a secure method for its transmission to ensure delivery. Standard mail is a common option for sending checks, but it does not offer tracking or proof of delivery. For checks of higher value or when confirmation of receipt is important, more secure services are available through the United States Postal Service (USPS) or private carriers.

Certified Mail with Return Receipt is a more secure USPS option, providing proof of mailing and requiring a signature upon delivery. This service typically costs between $4 and $7 and involves completing USPS Form 3800 at the post office. For greater security and detailed tracking, services like USPS Priority Mail with tracking, FedEx, or UPS offer end-to-end monitoring. These expedited services usually range from $10 to $30 or more, depending on speed and destination, and provide a tracking number to monitor the check’s journey.

When packaging the check, use a standard, opaque envelope and ensure the check is flat and securely enclosed. Including a brief cover letter can provide clarity for the recipient regarding the check’s purpose. After sending, allow a reasonable period for delivery, typically two to five business days for standard mail, before following up with the recipient to confirm receipt. If a check does not arrive, immediately contact the recipient to confirm non-receipt, monitor your bank statements for any unauthorized activity, and then promptly contact the check issuer to request a stop payment order from their bank.