This in-depth guide explains how to endorse a check properly in 2025, the key types of endorsements, and essential do’s and don’ts — so you can deposit safely and confidently, whether in person or via mobile app.
Endorsing a check means signing the back so it can be deposited or cashed. The safest method? A restrictive endorsement like "For deposit only to [Bank Name] account #XXXX.” This guide walks you through everything — including what to avoid.
Even with digital payments on the rise, paper checks are still a part of modern life. Whether it’s a rebate, tax refund, side hustle payment, or rent deposit — knowing how to properly endorse a check makes sure your money lands where it should. In this guide, we break down the exact steps to follow, different endorsement types, and smart tips to avoid delays or rejections.
Endorsing a check is the process of signing the back to approve it for deposit or cashing. The right endorsement ensures your bank accepts the check — and prevents someone else from accessing your funds. It’s especially important when depositing remotely via mobile apps or signing checks over to someone else.
You’re legally authorising the transaction. So getting it wrong can result in delays, bounced deposits, or worse — fraud.
For more detail, the Consumer Financial Protection Bureau (CFPB) explains basic check-processing best practices.
Don't sign your check until you're at the bank, ATM, or ready to submit it via mobile app. Signing too early increases the risk of theft or misuse if the check is lost.
Why it matters: A signed check is essentially cash. Protect it like you would a $1,000 bill.
Turn the check over and look for the endorsement box, typically a rectangular space near the top. Only sign within this designated area — anything written outside may cause issues during processing.
Pro Tip: If your signature or notes bleed outside the lines, banks may reject it.
Here are the 3 main types:
Learn more via FDIC Check Endorsement Guidelines.
Make sure your signature matches the name written on the front of the check. If your name is misspelled, sign it exactly as shown, then sign again with the correct spelling.
Example: If the payee line says “Jon Smyth,” sign once as “Jon Smyth,” then again as “John Smith.”
Most checks are only valid for 6 months from the issue date. Once endorsed, deposit it as soon as possible via:
Pro Tip: If using mobile deposit, some banks require the words “For mobile deposit only” below your signature.
For more help, see your bank’s deposit FAQs. Example: Chase Check Deposit Help
Yes — use a special endorsement. Write "Pay to the order of [Name]" and sign. But note: not all banks accept third-party checks. Always check first.
You may need to request a replacement check. If the endorsement is unclear or written outside the designated area, it can be rejected.
Yes. Most banks require your signature and “For mobile deposit only.” Some apps won’t accept the image without it.
Sign the check exactly as it appears, then sign again with the correct name.
Yes, but you’ll need to use a check-cashing service, prepaid debit card, or retail partner (like Walmart). These often charge fees.
Endorsing a check is easy — once you know what to do. Always wait until you’re ready to deposit, use the safest endorsement method, and sign clearly in the correct area. Whether you’re using a bank teller or mobile app, following these steps can protect you from costly mistakes.
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