If a check is made payable to Jane Doe for John Smith, or if the check is an SSI check, what is the proper way to endorse it? If Jane Doe is the only one that has to endorse it, does John Smith have to be present? If Jane Doe wants to deposit the check, does John Smith have to be on the account?
Checks payable to an individual as agent or similar representative of a named person are payable to the represented person or to the agent or the successor to the agent, according to the standard version of the Uniform Commercial Code or UCC (section 3-110). You should check the UCC in your state to ensure that it uses similar wording.
In the scenario you've described, the check is payable to Jane Doe in her capacity as agent or representative for John Smith. Jane can negotiate the check without John's involvement in any way, but she remains accountable to John for how she uses the funds. The check could also be negotiated by John if Jane isn't available or has been dismissed from her position as representative or agent.
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Checks payable to an individual as agent or similar representative of a named person are payable to the represented person or to the agent or the successor to the agent, according to the standard version of the 