An endorsement on a check payable to cash is technically not required.  An endorsement is the signature of the party to whom the check is made payable whether that is a person or business. There are a few ways a bank customer can endorse a standard check.  A check written to cash is not payable to an individual or business and is instead, a bearer instrument.  A bearer instrument is good for whoever holds the check which means that anyone can cash the check.  There is no additional endorsement required by law on the check.

Because a check written to cash becomes a bearer instrument, most banks would not recommend a customer write a check like this unless they are at the bank to cash the check.  The decision to require an endorsement on a check payable to cash will be up to the bank that is cashing the check.  The bank has the right to require the endorsement of the person presenting the check even if it is not legally required to do so.

Most banks will require the endorsement on the back of the check payable to cash as a matter of practice to avoid fraudulent transactions.  It is not required that a bank have a customer sign on the back of a check made payable to cash but banks are eager to make sure that the individual who has written the check to cash did so intentionally and the endorsement provides and added level of security.

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