How to endorse a check to someone else

[Scorpion]

How to endorse a check to someone else

Endorsing a check for the sake of depositing it is done a bit differently than endorsing it for the purpose of someone else to cash it. It is a completely different set of rules than for deposit. If you don't do it correctly, the entire transaction will come to a screeching halt. Here is how to endorse a check to someone else:


Step 1- Make sure that front of the check has all of the correct information. It should be made out in your name and be sure that it has the correct amount in it. You should also check to make sure that the check was signed by whoever was writing it out to you.



Step 2. Turn the check over so that you can see the back of it. There should be lines on one end of the check. That is the area that you will endorse it in. It is important that you don't write in the area below the endorsement line. The bank needs the area below it to place important information in.


Step 3- Always use a pen. Signing with a pencil means that anyone can erase it and put whatever they choose to on the back of the check. Avoid using red ink as well.


Step 4- Write Pay to the order of on the first line of the endorsement area. This is one of the most essential parts of signing your check over to someone else.


Step 5- On the next line, write the name of the person who you are signing the check over to. It should be the full name of the person, which should match how they sign their check.


Step 6- The next line is where you should sign your name as it appears on the front of the check.

You don't have to do anything else except hand the check to the person you were signing it over to. This person can now take the check to his/her bank or to the bank which it is drawn on to cash or deposit it. The person will also have to endorse the check in order to cash the check.


Be sure that you have double checked all of the information before handing over the check to someone else. Make sure that you can trust the person you are signing it over to if you are simply asking the person to cash it for you. This is critical. If you endorse a check over to someone else, you can't do anything about it if they take off with your money.


Endorsing a check for someone else to cash isn't difficult at all. There may be several reasons that you may wish to do this. It could be so that the person can cash the check for you because you have to work over that day. It could be because you owe that person money. Whatever the reasons are, you should have no problems if you follow this step-by-step guide to how you endorse a check for someone else to cash.

[Swinging Johnson]

How to endorse a check to someone else

Endorsing a check for the sake of depositing it is done a bit differently than endorsing it for the purpose of someone else to cash it. It is a completely different set of rules than for deposit. If you don't do it correctly, the entire transaction will come to a screeching halt. Here is how to endorse a check to someone else:


Step 1- Make sure that front of the check has all of the correct information. It should be made out in your name and be sure that it has the correct amount in it. You should also check to make sure that the check was signed by whoever was writing it out to you.



Step 2. Turn the check over so that you can see the back of it. There should be lines on one end of the check. That is the area that you will endorse it in. It is important that you don't write in the area below the endorsement line. The bank needs the area below it to place important information in.


Step 3- Always use a pen. Signing with a pencil means that anyone can erase it and put whatever they choose to on the back of the check. Avoid using red ink as well.


Step 4- Write Pay to the order of on the first line of the endorsement area. This is one of the most essential parts of signing your check over to someone else.


Step 5- On the next line, write the name of the person who you are signing the check over to. It should be the full name of the person, which should match how they sign their check.


Step 6- The next line is where you should sign your name as it appears on the front of the check.

You don't have to do anything else except hand the check to the person you were signing it over to. This person can now take the check to his/her bank or to the bank which it is drawn on to cash or deposit it. The person will also have to endorse the check in order to cash the check.


Be sure that you have double checked all of the information before handing over the check to someone else. Make sure that you can trust the person you are signing it over to if you are simply asking the person to cash it for you. This is critical. If you endorse a check over to someone else, you can't do anything about it if they take off with your money.


Endorsing a check for someone else to cash isn't difficult at all. There may be several reasons that you may wish to do this. It could be so that the person can cash the check for you because you have to work over that day. It could be because you owe that person money. Whatever the reasons are, you should have no problems if you follow this step-by-step guide to how you endorse a check for someone else to cash.

Fascinating. Perhaps tomorrow you can give us a "how to" on preparing cold cereal. On behalf of myself and the rest of the SBR forum, we look forward to your next episode of "The Wide World of the Mundane."

[HotStreak]

Someone owe you money?

[JoshW]

What if your signature looks nothing like your name? Can you print your name below the signature?. Since the bank has no idea what your signature looks like, seems like a security issue. I know it happens, but I assume banks put long holds on checks like these.

[ShamsWoof10]

I've done this many times and I follow those steps except I sign my name at the top, below that I put "pay to the order of:", below that I print their name, and below that they sign it then deposit it...

[zubzub]

This person can now take the check to his/her bank or to the bank which it is drawn on to cash or deposit it.

Endorsing a check for someone else to cash isn't difficult at all.

you should have no problems if you follow this step-by-step guide to how to endorse a check for someone else to cash.

BULLSHIT. The Patriot Act made cashing 3rd Party checks immensely more difficult, actually impossible at many banks. If you're gonna sling copypasta to make yourself appear clever or funny at least research the crap first.

[zubzub]

the bank has no idea what your signature looks like

WTF are you talking about??? What planet are you people from?!!? really. Of course the Bank knows what your signature looks like, they have it on file you moron, its the most fundamental, the most basic of their fraud prevention measures doofus. Why you think a Bank encourages you to sign the back of a credit or debit card when you get it. Its people like you that make long lines at the bank.

[oiler]

Someone owe you money?

that is some of the biggest bull ive ever heard,it is done the same no matter who it is written out to,hope u got enough words to get your points for this meaningless post

[gym rat]

Thanks for the "HOW TO" ! That was easier than I thought but I'm just curious how many banks are still allowing third party checks. Anybody still cashing these??

[JoshW]

If you are signing over a check made to you by a third party then:

A writes a check to B. B signs it over to C. C takes it to A or C bank. How does either of those banks have B's signature?

[Fishhead]

WTF are you talking about??? What planet are you people from?!!? really. Of course the Bank knows what your signature looks like, they have it on file you moron, its the most fundamental, the most basic of their fraud prevention measures doofus. Why you think a Bank encourages you to sign the back of a credit or debit card when you get it. Its people like you that make long lines at the bank.

[manny24]

wtf is wrong with you guys?...are people actually signing checks over to pay gambling debts?...smart'n the fvck up boys if you ain't got the green in the safe then don't make the bet...these fvckchops that don't pay what they owe on tuesday morning deserve whatever happens to them.

[gambleballs]

That might have worked all well and good a few years ago. But these days, no bank is going to cash a 3rd party check without the person who the check is made out to being there in person.

If it were that easy, people would be going through every mailbox they could find looking for checks, forging a sig, and "paying to the order of" themselves.

[Doug]

That might have worked all well and good a few years ago. But these days, no bank is going to cash a 3rd party check without the person who the check is made out to being there in person.

If it were that easy, people would be going through every mailbox they could find looking for checks, forging a sig, and "paying to the order of" themselves.

NO PAPER TRAIL THERE !

The bank will probably thumbprint you, too ! At minimum they will record your DL number, on the check.

[Doug]

This is how WSEX was paying customers recently, BTW.

[JoshW]

If you have a good enough relationship with the bank, my scenario can happen, but I agree, that most banks wouldn't do it.

[zubzub]

A writes a check to B. B signs it over to C. C takes it to A or C bank. How does either of those banks have B's signature?

Of course the Bank is not gonna have B's signature, I wasn't talking about B's signature because B's signature is totally irrelevant man.

If you manage to get any play at all on a 3rd party check from a bank it would be under conditions which would see a "hold" being placed on the check by the bank and if anything goes wrong with the check, anything at all, its on you. Totally your responsibility.

Along the same lines of when you deposit a fake Cashier's Check from Nigeria into your account then immediately, per the Nigerians instructions, withdraw 80% of that check's worth and mail those funds back to the Nigerian sender of the check then 2-5 weeks later the bank calls you up totally losing their mind on the other end of the phone screaming that you owe them whatever $ you sent to the Nigerian because the check was fake all along to which you shout back "fakk yoo bank you shouldn't take fakeass checks!! If you was any good at being a bank you'd be able to tell a fakess check when one came along. Same as a Wooden Nickel bank, I feel for ya but you wind up with one of those thats the ball game bank same thing goes for a check if you're a bank and you take it which you did bank so suck it bank this one's on you bank you should be more alert. I ain't paying you shyt bank." and Bank promptly exterminates you where you stand, and deservedly so.


When a bank tells you that they won't deal with 3rd party checks what they are saying to you, in code, is that you must sneak 3rd party checks into your account via ATM deposit of said checks.

Don't worry, I do this all the time. Banks have to process billions upon billions of checks every day, theres no way they can possibly notice details on every single check, probably ain't even humans processing the checks anyway but a cheaply manufactured robotic eye from some 3rdworldass Asian sweatshop.


Banks aren't allowed to tell you though that you can sneak a 3rd party check into the bank via the ATM you have to figure that out on your own but those who do figure it out are golden, like, the Illuminati of dealing with 3rd party checks.


Until at least a check proves to be bad and the shyt hits the fan, the jig is up, you have to pretend you didn't know about

whatever it is that the bank is raggin' on you about.



The only other way to make a bank take your 3rd party check (and this is real high level stuff, very very few have ever even heard of it) is to write For Deposit Only on the back of the check below your own signature and if a teller gives you any flack tell them 'I do this all the time just deposit the check and stfu I'm in a hurry.' I've never heard of this method failing when the statement was made firmly and in an authoratative manner. Fine line there, avoid addressing the teller as though they are the lowest form of life in existence, just be commanding, confident. With the order.

Best case scenario is stamp For Deposit Only on check back with a rubber stamp

no one will have the cajones to mess with you then cuz the only people who have For Deposit Only rubber stamp is people that are supposed to have those but, as I think was mentioned above, whether you write or stamp don't make any marks whatsoever below the line that says "don't write below this line" or the bank will kill you on the spot.


And deservedly so.

[jon101]

It all depends on the bank, just call around and ask will you accept a 3rd party check.
Most will say no, and some will say it can be deposited and held for 10 days.

[aggieshawn]

I cant believe i read this whole post.

[Sforz]

worst. thread. ever.