How do you sign over a check made out to you to someone else so they can deposit it for themselves?

Answer 1

If the check is made out to John Smith, and he wants to give it to Suzy Jones, He writes on the back"Pay to the order of Suzy Jones", then signs his name. Suzy will have to sign her name underneath John's name.

--------------------------------------------------

The above answer is partially incorrect. If this were true I could find a check to Bill Gates on the ground and right PAY TO THE ORDER OF ME and go cash it out for 5 billion. If it sounds ridiculous its because it IS! Back in the old days when people were honest and fraud didn't exist you could sign over checks all day long. In this modern age (after 2005) you can't do this at national banks. Some credit unions will allow sign over checks because they need business and are willing to take the loss. National banks like Bank of America, Wells Fargo, JP Morgan won't let you do this and if you try to bring it up to a bank teller they are going to look at you like your crazy. Even IF you manage to sneak a deposit by an unsuspecting teller your not safe! The check will most likely return, charge your account for the cash, and not only will you get fees but you'll get the teller that helps you in lots of trouble. SO save yourself some embarrassment and only try to cash or deposit checks that are made out to you or at a local credit union willing to take a risk with you.

------------------------------------------------

The portion of this answer directly above, should be questioned. After all this individual is quiet possibly delusional....and after all this individual is under the assumption that fraud didn't exist before 2005.

------------------------------------------------

Hmmm... well I won't remove the "delusional" comment from above, but I will say that I just returned from US Bank this afternoon (03/02/2010) where I cashed a two-party personal check that was signed over to me by a friend. I have been cashing signed over checks for 15 odd years at US Bank, First American Bank, and TCF. But hey, I guess US Bank isn't a "national" bank. So head over to Wells Fargo, or JP Morgan where the rates are higher (from everything from money orders to interest rates), customer service is poorer (apparently they think their customers are "crazy"), and have a no check cashing policy for signed over checks....so I guess if that's what you're looking for...be my guest go bank there. And, as far as the local credit unions go for cashing checks, I wouldn't know. I bank at the aforementioned banks and have NEVER had a problem, nor had anyone look at me like I was "crazy" in 15 years at those banks....unless you count that day I put my pants on backwards.......

Hey, and retard, if you find a blank check from Bill Gates on the ground, you fill it out for $5 billion, and sign it over to yourself, and have the money in your account to cover it. Yup you get to cash it. That's how things work. Then all you will have to deal with is the forgery and numerous other criminal counts, not to mention you are on camera cashing a check through your OWN ACCOUNT. That's why it doesn't matter, because you WILL GET CAUGHT if you do it genius. But go ahead and try, that's why real banks still allow cashing of signed-over checks....hell, and a fingerprint to the check and how far are you going to get..?

>>>>>>>>>>>>>>>>>>>>>>>>>>>>

Hi, well no need to fight. It is true that you can endorse a checked to some one else. I have been cashing my boyfriends check for awhile without him being present. One day I was making a ATM deposit at my bank, Chase, and I accidentally put his in. And guess what? They credited to my account and it was available stat. All he does is endorse his name and DL/ID# then I endorse. I couldn't believed it either given that they are government and payroll checks. Also my brother has his taxes direct deposited in my account.