How to Write a Blank Endorsement & What It Means

An endorsement is a signature on the back of a check, necessary to cash or deposit funds. It transfers ownership from the payee—the person or entity to whom the check is made out—to the bank or another party. While several types of endorsements exist, a blank endorsement is a common method for specific banking transactions. This article explains what a blank endorsement is and how to execute one.

What a Blank Endorsement Means

A blank endorsement occurs when the payee of a check signs only their name on the back of the check. This signature transforms the check into a “bearer instrument,” meaning it becomes payable to anyone who possesses it, much like physical currency.

Once blankly endorsed, a check becomes highly susceptible to theft or loss. If lost or stolen, anyone who finds it could potentially cash or deposit it without further identification. This eliminates the security of a check being payable only to a specific individual.

For these reasons, a blank endorsement is recommended only when immediately cashing or depositing the check at your bank or an automated teller machine (ATM). This immediate transaction minimizes the period during which the check could be lost or stolen.

How to Write a Blank Endorsement

To write a blank endorsement, locate the endorsement area on the back of the check. This area is usually at the top and may be marked with a line or box stating “Endorse Here” or similar phrasing. It is important to sign within this designated space to ensure proper processing by your financial institution.

Next, sign your name precisely as it appears on the “Pay to the Order of” line on the front of the check. Discrepancies between your signature and the printed name may cause your bank to require additional identification or clarification, potentially delaying the transaction. The signature should be clear and legible.

Only your signature should be present in the endorsement area for a blank endorsement. Do not add other words or phrases, such as “for deposit only,” “pay to the order of,” or account numbers. Adding any additional text would transform it into a different type of endorsement, such as a restrictive or special endorsement.

Only perform a blank endorsement immediately before completing the transaction, whether cashing the check at a bank teller window or depositing it into an ATM. Avoid signing a check with a blank endorsement and then carrying it around, as it functions like cash. Immediate action after signing minimizes the risk of the check being intercepted and used by an unauthorized individual.