What Do I Write in the Back of a Check?

Endorsing a check is a necessary step to deposit, cash, or transfer its funds. This involves writing on the back of the check, authorizing your bank to process the payment. Proper endorsement ensures smooth and secure financial transactions, as the specific way you write dictates how the funds can be used and by whom.

Standard Endorsement

The most common method for endorsing a check is by simply signing your name, often referred to as a “blank endorsement.” This type of endorsement is typically used when you are depositing the check into your own account or cashing it yourself. You should sign your name exactly as it appears on the “Pay to the Order of” line on the front of the check. If your name is misspelled on the check, you should first endorse it with the incorrect spelling, then sign your correct name directly below it.

The designated endorsement area is usually found on the back of the check, often in the top left corner, marked with lines or a box that states “Endorse Here.” Once endorsed in blank, the check becomes a bearer instrument, meaning anyone in possession of it can cash or deposit it. Therefore, it is advisable to sign the check only when you are physically at the bank, ATM, or ready to complete a mobile deposit, to reduce the risk if the check is lost or stolen.

Endorsement to Another Party

You can transfer a check’s ownership to another person or entity through a “special endorsement” or “full endorsement.” This involves writing “Pay to the Order of [Recipient’s Name]” followed by your signature. For example, if John Doe wants to give a check to Jane Smith, he would write “Pay to the Order of Jane Smith” and then sign “John Doe” below it.

Once specially endorsed in this manner, only the named recipient, Jane Smith in the example, can then cash or deposit the check. This type of endorsement adds a layer of security compared to a blank endorsement as it restricts who can receive the funds. However, not all banks readily accept third-party checks, and some may require both the original payee and the new recipient to be present for the transaction.

Limiting Use of a Check

To enhance a check’s security and restrict its use, employ a “restrictive endorsement.” The most common form is writing “For Deposit Only” followed by your signature. This ensures the check can only be deposited into an account and cannot be cashed or transferred. It provides protection if the check is misplaced or stolen, as it cannot be fraudulently cashed.

For greater security, specify the account number by writing “For Deposit Only to Account No. [Your Account Number]” below your signature. If a check will not be used, write “VOID” across the front to invalidate it, rather than endorsing the back.

General Endorsement Guidelines

When endorsing any check, using a pen with blue or black ink is standard practice to ensure permanence and legibility. Your writing should be clear and easy to read, as illegible endorsements can cause processing delays or rejection by the bank. It is also important to confine your writing to the designated endorsement area on the back of the check, which is typically about 1.5 inches long and often includes a line that states “Do Not Write, Stamp, or Sign Below This Line.”

Avoid making any other marks, notes, or attachments like staples that could obscure the endorsement or other check information. To maximize security, especially for larger amounts, it is often recommended to endorse the check only when you are at the bank or in front of a teller, rather than signing it in advance. This practice minimizes the risk associated with a blank-endorsed check falling into the wrong hands.