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I mail in a deposit about once a month since we bank out of state now.
If the checks are for my husband, I write "For Deposit Only" on the back of the check and mail it in with a deposit ticket in one of their pre-paid, pre-addressed envelopes. I made a deposit last week and had 1 large check returned due to endorsement error plus a $5 fee on top of it.
Has anyone ever heard that this was an unacceptable endorsement? I am baffled that a bank would do this.

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that's funny. i never deposit checks any place else except into the teller machine. the check itself is never touched ... (more)

ksteel03 (Jun. 15, 2006 @ 7:41p) |

Technologist said: <blockquote><hr>Slightly off topic, but I NEVER put my account numbers on checks... especially <a tar... (more)

suethem (Jun. 15, 2006 @ 7:45p) |

OP never bothers to respond to anything in her own thread.

Alcibiades (Jun. 15, 2006 @ 7:48p) |

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What bank are we talking about?

You need to have a signature on there. The "For Deposit Only" prevents it from being endorsed to someone else.

You ALWAYS need to include, at the very least, the depositor's name when endorsing a check. Here's a guide for you...

The posters above are giving bad information. Most of the time, if the payee's name is on the account, "For deposit only" will suffice. However, you should really write "Deposit to the account of the within named payee". I suppose a bank could give you a hard time if the check is made out to Mr. Frugalityisking and the account is a joint account with Mrs. Frugalityisking, but I think you'd have a good case for getting them to at least refund the fee and clarify their policy. They shouldn't be in the business of trying to make sure that husband and wife don't steal from each other IMO.

EDIT: I'm presuming your husband IS on the account. If not, then yes, his signature would be required.

Another footnote - some drafts require a true signature/endorsement, especially when the payment is for an insurance claim or similar item where your signature constitutes acceptance of a settlement of sorts.

Was the reverse of the check also signed/endorsed by the person to whom the check was made?

If the check is endorsed simply with "For Deposit Only" with no accompanying endorsement by the person to whom the check is made payable, it's well within regulations to return the check. It might not be good "customer service", but it is within their rights.

A quick search on Yahoo/Google would have come up with THIS QUESTION/ANSWER from BankersOnline. The info might provide something useful.

he still has to sign the check, for deposit only just means you cant cash it, nothing more, i checked with chases banking divison and they said you need both not just for deposit only. that doesnt mean he is ok with you having or depositing the check. it just means the check can not be exchanged for cash.

frugalityisking said: [Q]If the checks are for my husband, I write "For Deposit Only" on the back of the check and mail it inWhy dont you also write "For Deposit Only" on the checks that are not for your husband ? Why not on all the checks you are depositing ?

dodgeman007 said: [Q]he still has to sign the check, for deposit only just means you cant cash itBanks are not stringent on unsigned and smallish (less than $100) checks as long as the check is made out to a person who IS on the account. I do it all the time; the teller just rubber stamps the back of it.

OP said a "large" check was returned, I think its large amount was a large factor.

The endorsement rules vary by bank.

For instance, Commerce Bank does not require you to endorse the check at all, they will do it for you and it will show that they are the endorser and your account # will never show on the back. But other banks that suck, ie. Citizens Bank forces you to endorse a check and your DL # and life history. This might be why there are always more customers in Commerce than Citizens.

It may depend on the type of check. At the bank I work at, "For deposit only" will work fine for most checks. If it is some type of insurance or loan or settlement check, then it has to be signed. More than likely it wasn't the bank that you deposited it at the returned it, rather it was returned by the bank it was drawn on.

DH and I have a joint checking account and we haven't signed a check in a decade, maybe two. It's just 'for deposit only', on all kinds of checks. It may be a rule to sign them, but it obviously is only enforced when you least expect it. <img src="i/expressions/face-icon-small-disgusted.gif" border=0>

I don't understand why people don't sign their checks, it's quicker than writing "for deposit only". Just before I deposit the check, I sign it. I have a joint account with my SO, and I either ask her to sign her checks or I forge her signature.


I have deposited my husband's expense checks by writing "For Deposit Only" and the account number on the back for years now. His name is on the account, and the checks are always several thousand dollars. No one has ever given me grief about it. I have never, however, mailed in a deposit.

EastCoastBias said: [Q]More than likely it wasn't the bank that you deposited it at the returned it, rather it was returned by the bank it was drawn on.

^^That is the key here. And, like a previous post, if it was some sort of draft or insurance check, the likelyhood of a return goes up. We get those all the time. We charge $3 for returned deposited items because it does require some handling.

We are a small bank, so we tend to check the deposits and stamp the back of the checks "Credit to the account of withing named payee. Absence of endorsement guaranteed" if there is no signature, which will satisfy "most" checks. BUT, if it is made out to two parties as in a body shop insurance check "Joe Schmoe AND Bob's Body Shop", It will most likely get returned if one of them have not signed.

I'm a teller for SunTrust bank.

Here are the endorsement rules for checks written out to a person (non-business):

The person must endorse the back with his/her signature if he/she wishes to cash the check.
The person must endorse the back with his/her signature if he/she wants to deposit the check.

Writing "For deposit only" would prevent the person who endorsed the back from cashing it, but would still allow them to deposit it.
If the person writes "For deposit only," they still need to endorse the check with their signature.

Businesses will generally have a stamp that contains their account number and "for deposit only," however individuals (non-business) may not use stamps and must endorse the check with their signature.

An endorsement is really your authorization that the check is good. By depositing/cashing an endorsed check, you are vouching that the check is good to the bank. That is why you may be charged by your bank if the check bounces.

Wells Fargo makes me sign and put my account number on each check. I also write for deposit only. Alot of work if I had to do a bunch of checks at once.

azyanromeo said: [Q]An endorsement is really your authorization that the check is good. By depositing/cashing an endorsed check, you are vouching that the check is good to the bank. That is why you may be charged by your bank if the check bounces.If you are the check recepient, how could you know if the check is good? Wouldn't only the writer of the check know that?

Slightly off topic, but I NEVER put my account numbers on checks... especially eBay payers or Rebate checks... I don't want them to have that one, additional piece of info about me!!!

None of my banks hassle me about that (not even Suntrust, or BOfA)...

Winter, you honestly would not know if the check is good or not. But by endorsing it, you are taking responsibility that it is a good check and won't bounce.

Technologist said: [Q]Slightly off topic, but I NEVER put my account numbers on checks... especially eBay payers or Rebate checks... I don't want them to have that one, additional piece of info about me!!!

None of my banks hassle me about that (not even Suntrust, or BOfA)...

Me either, I just slap a deposit ticket on them and deposit in bulk.

Technologist said: [Q]Slightly off topic, but I NEVER put my account numbers on checks... especially eBay payers or Rebate checks... I don't want them to have that one, additional piece of info about me!!!

None of my banks hassle me about that (not even Suntrust, or BOfA)...
You don't have to. When your bank processes the check, they print your account number on the check.

that's funny. i never deposit checks any place else except into the teller machine. the check itself is never touched but some info is printed on the envelope. i use to write "for deposit only" on my checks but lately the check will be lucky to get a signature. and absolutely no deposit slips either. like others have said, years and years...no problems.

Technologist said: [Q]Slightly off topic, but I NEVER put my account numbers on checks... especially eBay payers or Rebate checks... I don't want them to have that one, additional piece of info about me!!!

None of my banks hassle me about that (not even Suntrust, or BOfA)...
One of my banks ask me nicely to the acct # on the check in case they make some mistakes and need to go through the check again.

OP never bothers to respond to anything in her own thread.



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