A check needs to be signed to be valid negotiable instrument.  Checks are negotiable instruments that permit the transfer of money from a remitter to a payee.  The remitter is the person who writes and signs the check.  The signature of the remitter must be on the face of the check in order for the check to be a negotiable instrument. 

A bank should not accept an unsigned check for deposit.  If a bank accepts an unsigned check there is a strong likelihood it will returned by the other bank where the account is held by the remitter.  If the check deposit is subsequently returned for lack of a signature, the bank may charge the depositor a fee for the reversal.

Although a check needs a signature for the item to be properly payable, the required signature of the remitter may take a variety of different forms.  A signature may be made manually or by means of a device or machine, and by the use of any name, including a trade or assumed name, or by a word, mark, or symbol executed or adopted by a person with present intention to authenticate a writing.

Without a signature, the check is simply no good.

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