How to Sign a Check for Deposit Only

A check endorsement is a signature on the back of a check, typically required before it can be cashed or deposited into an account. It authorizes the transfer of funds from the check writer to the payee. Endorsing a check specifically for deposit only enhances security, ensuring funds are directed solely into a designated bank account and protecting against theft or misuse.

Understanding Check Endorsement Basics

Endorsing a check properly involves understanding where and how to sign. The endorsement should always be placed on the back of the check, usually within a designated area near the left edge, often marked with a line or a box that says “Endorse Here”. It’s important not to write below any “Do not write, stamp, or sign below this line” instruction.

The primary requirement for a standard endorsement is the payee’s signature, matching the name as it appears on the front of the check. If your name is misspelled on the check, endorse it with the incorrect spelling first, then sign your correct name directly below it.

Using blue or black ink is recommended for clarity and to ensure the signature is easily readable by bank processing systems. It is also advisable to endorse the check only when you are ready to deposit or cash it. This precaution prevents the check from being cashed by an unauthorized individual if it is lost or stolen after being signed.

Steps for “For Deposit Only” Endorsement

To endorse a check specifically for deposit only, you begin by signing your name on the back. This signature should be placed in the designated endorsement area, matching the name on the front of the check.

Immediately above or below your signature, within the same endorsement area, clearly write “For Deposit Only”. For added security, you can also include your account number, writing “For Deposit Only to Account Number XXXXXXXXXX”. This specific wording instructs the bank to deposit the full amount of the check exclusively into your account.

This method provides a security benefit because it prevents anyone from cashing the check, even if it falls into the wrong hands. The bank is explicitly instructed to only deposit the funds into the specified account, making it a safer alternative to a blank endorsement where only a signature is present. This ensures funds are securely transferred to your intended account without risk of being cashed over the counter.

Special Circumstances for Endorsement

For checks made out to multiple payees, the wording on the “Pay to the Order Of” line dictates who must endorse it. If names are joined by “and,” such as “John AND Jane Smith,” both individuals typically need to endorse the check. If names are joined by “or,” like “John OR Jane Smith,” then either person can endorse it.

When endorsing a check made out to a business, an authorized representative must endorse it on behalf of the company. This usually involves writing the business name exactly as it appears on the payee line, followed by the representative’s signature and their title within the company (e.g., Owner, Accountant). Adding “For Deposit Only” with the business’s account number further secures these funds.

Mobile deposits also have specific endorsement requirements that often go beyond a simple signature. Many banks require you to write “For Mobile Deposit Only” or similar phrasing directly below your signature on the back of the check. Some checks may have a pre-printed box for mobile deposits, but many banks still require the handwritten phrase in addition to or instead of checking the box. Always check your specific bank’s mobile app instructions, as requirements can vary.

For checks made out to a minor, a parent or guardian typically endorses the check on the minor’s behalf. This process usually involves writing the minor’s name followed by “minor,” then the parent’s name with their relationship (e.g., “parent” or “guardian”), and finally the parent’s signature. Some banks may also require the account number where the check will be deposited, especially if it’s a custodial account.