The endorsement is really for the check-writer’s protection - if a check is stolen, you can complain to the bank that they gave your money to the wrong person. If the payee of a check you have written fails to endorse a deposited check, that check may be returned to you. 6. It also is in your best interest to endorse checks before deposit to restrict the ability of someone else to deposit or cash the check. Why must the mortgage company need to endorse my insurance check? Endorsing a Check for Deposit Only. so far all the checks i wrote i never endorsed it.i don't really see the point if my name and address is infront of the check and i also have to sign it in the front.what does endorsing really mean for a check.i think endorse means the owner of something but my name is front of the check so doesn't that show who the owner is. This is called a “restrictive indorsement,” and it should prevent you or any other person from cashing the check. 5. As an example, a check made payable to you and your Bank must be endorsed by both. I got a refund in the mail today in the form of a check. Blank Endorsement Explained . Check Endorsement Basics Banks typically require you to endorse the back of a check before deposit. This is also known as a “restrictive endorsement.” By doing this, it’s more protected than a blank endorsement since it restricts what you can do with the check. How do you endorse a check with no endorse line on the back? If you receive a check that was made out to someone else and that person endorsed it “for deposit only,” you should not be able to cash it. Thus, using and endorsing a check has a top security advantage. also can anyone tell me the wamu … If a check has multiple payees, and the word “or” does not appear, all payees must endorse the check. Exactly Why Do We Have to Endorse Checks for Deposit? An endorsement is a signature or stamp that goes on the back of the check. The most familiar example of a blank endorsement is a check made payable to cash and endorsed on … In addition, endorsing a check makes the recipient the only person who can legally collect money from the checkwriter’s account. However, there is no "endorse on this line" type thing on the back -- it just says "SECURITY DOCUMENT" watermarked all over the back. When you endorse a check for deposit only, this will limit the ability to cash it. You endorse a check by signing at the back which indicates “endorse here“. Disclaimer: The following content is intended as a public service for the generations of young people growing up in a world with little or no concept of what a check is and how you can turn it into money. In the US, you can walk into a brach of the bank that the check is drawn on, sign the back of the check (endorse it), and they will cash it for you. Just turn the check over to the back. 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