I received a check for my son's settlement in an accident. It is made out to me as natural guardian of my son. Does my son need to endorse it? I plan on opening a joint account in both our names.
Your son does not need to endorse the check, because it is payable to you as his guardian, and not to him. Because the check is payable in that form, you are accountable to ensure that the funds are used on his behalf. It appears that you plan to do so.
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