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Sufficient to Write "For Deposit Only" on Deposit?

Is a signature required when depositing a check (as opposed to cashing it), or is it sufficient to simply write "For Deposit Only" on the check?


Although the law in most states (the Uniform Commercial Code) allows a bank to accept a check for deposit that is not endorsed (a signature is required for a complete endorsement), your bank is not obliged to do so. Complete the endorsement by including your signature. The exception in the Uniform Commercial Code is really there to cover the cases when a depositor forgets to complete an endorsement, not to change the way in which checks have always been deposited.

Published on BankingQuestions.com 4/26/07