If you want to deposit a signed-over check without visiting the bank, a mobile check deposit is a good alternative. If the bank allows, you can take a picture of the check and upload it digitally. You can withdraw the money or send cash electronically after that.

Having Someone Endorse a Check So You Can Deposit It In Your Account. Typically, this involves writing the phrase “Pay to the order of: Your Name” and signing their name underneath your check. Again, be sure to check with your financial institution to make sure that you are going through the process correctly.

When depositing a government-issued check using Mobile Deposit, please have each payee endorse the check and write “For GFCU Mobile Deposit Only” below the signature(s), otherwise, your mobile deposit will be delayed until this is corrected.

The most secure way to endorse a check is to:

1. Write: “For Deposit Only to Account Number XXXXXXXXXX”
2. Sign your name below that, but still within the endorsement area of the check.

Unfortunately, most banks won’t accept mobile deposits of third party checks. However, you can attempt a mobile or ATM deposit and see if the check clears. Just make sure you don’t dispose of the check before the deposit has cleared. For example, Bank of America does not take mobile deposits of third party checks.

5 Answers. If crossing out an endorsement of “For Deposit Only” were valid, then there would be no point in writing “For Deposit Only” on a check. The direction only works because there is no way to ‘undo’ the change. You are essentially saying, I don’t care what happens, this check can ONLY be deposited and not cashed …

A check must be endorsed on the back for it to be valid for deposit. So, always sign your name in the blank space next to the X just before you bring it to the Bank. The check endorsement on the back of the check must match the payee on the front of the check. So, check your check to make sure!

To endorse a check, sign your name on the back, and include any additional details required to process the check correctly. A signature is usually all that’s needed, but additional steps help you control how the payment is handled and protect yourself from fraud.

Restrictive endorsement. This type of endorsement includes your signature and the words, “for deposit only.” A check endorsed this way can be deposited into a bank account but not cashed. If you write “for deposit only” and include a bank account number, the check can be deposited only into that account.

If you receive a check payable to cash, deposit it like you would any other check. Endorse by signing the back with your account number, and deposit with your bank or credit union. If you prefer to cash the check (instead of depositing it to your account) you may have to go to the bank that the funds are drawn on.

Technically, once you’ve signed your name, anyone can cash the check. However, many banks will accept the check only from the person who signed it. You can also do a restrictive endorsement by writing “For deposit only” and your account number in addition to your name, which requires the proceeds be deposited into that account.