Next, get the legal name of the person you’re transferring the check to. If the name you write on the check doesn’t match the recipient's legal name, the bank may refuse to accept the check.
Once you’ve completed these steps, you’re ready to sign and endorse the check to the new payee.
Endorsing a third-party check
Endorsing a check to transfer it to another person follows a slightly different process than endorsing a check to deposit or cash yourself.
1. Double-check the details
Before endorsing a check, make sure it’s accurate and ready to deposit. Verify the amount and date, confirm it’s signed by the account holder and check that there are no void markings or stray marks.
2. Sign the check
Use a blue or black ink pen to sign your name in the endorsement area, which is usually located on the back of the check.
3. Write “Pay to the order of…”
Next, write “Pay to the order of [Recipient’s Name]” below your signature on the back of the check.
4. Add any additional details
If the other person’s bank requires additional information, include it below the “Pay to the order of” line.
5. Hand over the check
Give the recipient the check so they can cash it in whatever way they choose.
What to do if someone signs a check over to you
Before cashing or depositing the check, you’ll need to endorse it by signing your name beneath the original payee’s name. Your signature should match your name exactly as it is spelled on the “Pay to the order of” line.
The bank may require you to cash the check in person. If so, be prepared to show ID, such as a driver’s license, when you take the check to the bank.
Keep in mind that third-party checks may take longer to process.
Only cash or deposit a third-party check from someone you know and trust. Check-cashing scams involving fake third-party checks are increasingly common. Scammers may ask you to deposit a check and then send them money through cash, prepaid card or wire transfer — only for the check to later bounce, leaving you responsible for the amount withdrawn.
If you’re not sure whether a check is legitimate, contact the issuer or visit a local branch for help.
Alternatives to signing your check over
If signing over a check feels too complicated or the recipient’s bank doesn’t accept third-party checks, there are other options to consider.
You can deposit the check into your own bank account and then send the money to the intended recipient via Zelle®, a new check or an electronic transfer.
If you don’t have a bank account, you may be able to cash the check at a bank or retailer for a fee. Be sure to ask about any fees or limits before using these services.
When does it make sense to sign over a check?
Depositing a check directly into your account is often the most efficient option. However, there may be times when that isn’t possible — maybe you’re unable to go to the bank and your bank doesn’t let you cash a check online. In that case, it may make sense to sign the check over.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. For the protection of your account, Zelle® should only be used to send money to friends, family or others you trust. Sending money with Zelle® is similar to making a payment in cash. Neither Citibank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Disclosure: This article is for general educational purposes. It is not intended to provide financial advice. It also is not intended to completely describe any Citi product or service. You should refer to the terms and conditions financial institutions provide for various products.
