Checks made payable to cash can be endorsed by anyone.  Because a check payable to cash can be endorsed by anyone, making a check payable to cash is a practice that should be used infrequently due to the significantly higher risk of loss.  In fact, a check payable to cash is considered a bearer instrument.  Bearer instruments do not, legally, need an endorsement.  A bearer instrument, including a check payable to cash, is payable to whoever holds it.

Even though the law governing contracts and negotiable instruments does not require a signature on a check made payable to cash, the bank will generally require an endorsement signature.  The bank where the check is being cashed will usually request that the person negotiating the check at the bank branch sign or endorse the back of the check.  Furthermore, many banks are reluctant to negotiate a check made out to cash if it is presented by someone other than the account holder. 

The banks concern is that the check may be in the possession of someone that the account holder did intend to receive it.  When the bank does negotiate a check payable to cash, the bank will often require the endorsement as well as proper identification of the individual cashing the check.  Of course, the holder of the check can always deposit the check and the bank should not require any additional documentation other than the deposit endorsement.

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