Signature: Sign the check legibly on the line in the bottom-right corner. Use the same name and signature on file at your bank. This step is essential—a check will not be valid without a signature.

Do I have to sign the back of a check to deposit it?

You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsement area on the back of the check or the deposit may be rejected.

Who has to sign behind the check?

If the check is issued to two people, such as John and Jane Doe, the bank or credit union generally can require that the check be signed by both of them before it can be cashed or deposited. If the check is issued to John or Jane Doe, generally either person can cash or deposit the check.

Can you accept a check without a signature?

Banks are not obligated to accept unsigned checks. However, many banks are willing to accept one, provided the payee guarantees the check. To do this, the payee adds a line such as “lack of signature guaranteed” to her normal endorsement.

Can you sign over checks to someone else?

One of your options is to sign the check over to someone else. Because the check is currently payable to you, you’ll need to ensure that the third party and their bank can accept a signed-over check, also known as a “third-party check,” and endorse the check by signing the back of it.

Can I deposit a check without an authorized signature?

You don’t always have to endorse checks. Some banks allow you to deposit checks without a signature, account number, or anything else on the back. With no endorsement, nobody can see your signature or your account number unless your bank adds the account number during processing.

Do you have to sign a check in person?

Completing the signing process in person may be required by the bank and will almost certainly improve your chances of success regardless. Bring proper identification, especially if it is not also your bank. Sign the back of the check as usual, except keep your signature in the top section of the endorsement area.

Where do you sign the back of a check?

Signing Over the Check Sign the back of the check as usual, except keep your signature in the top section of the endorsement area. If there are three lines, sign the top line. Print “Pay to the Order of” and the third party’s name in the middle section (or second line) of the endorsement area.

Why is it important to have a legible signature on a check?

Consistent signature: Many people don’t have a legible signature, and some even sign checks and credit card slips with humorous images. But consistently using the same signature helps you and your bank identify fraud. It’ll be easier for you to prove that you’re not responsible for charges if a signature doesn’t match.

Can a check be sent back without a signature?

However, it is safest to sign the check. Without a signature, the check might be sent back to the issuer, resulting in fees and delays in getting your money. Even if your bank deposits a check without a signature on the back and you see the money added to your account, that check might get rejected a week or two later.