1 Answer. You will also need to provide identification no matter where you’re cashing your money order. First, a word about safety and check fraud. Automating payments may help you avoid late fees and track your monthly spending. Be sure to write out your recipient’s name as it appears on their I.D. When someone writes you a check, you must endorse it to access the money that’s written out to you. There are two places to record names on our money orders. With more than 13 years of experience, her work has appeared in LendingTree, GoBankingRates, Sapling, Zacks and budgeting.thenest.com. Once you sign a money order over to someone else (or someone else signs one over to you), it becomes a third-party money order, which can be a bit more difficult to cash. Stay up-to-date with the latest financial guidelines and resources here. You can also endorse a check to someone else by signing your name and writing the words “pay to the order of (insert name of someone else).” This allows someone else to cash or deposit the check instead of you. Find that area of the money order, it is a line usually about a third of the way down from the top of the money order. Yes, you can deposit a money order into your checking account, just as if it were a check or cash. When you endorse a check, you sign the back of it to verify that the amount is correct. If you owe someone, you most likely want to pay them as soon as you can. Money orders can be more difficult to track than a personal check—to find out whether the money order has been cashed, for example, can require forms and take weeks. If you don't know how to write, you can sign the money order with an X. It’s time to hand over the payment to your recipient! Comments that include profanity or abusive language will not be posted. This is done by writing on the back of the check “Pay to the order of <>” and signing it. Then they can cash it for you. To save time, you could endorse a check to someone else to pay them. When two individuals are listed in the "Pay to" section with an "and" in between the names, both individuals must sign the money order in order for it to be cashed. Endorsing a check is easy enough, but getting it cashed is another matter. If you don’t have any ID, you can endorse the money order to someone else, like a sibling or friend, who does have an ID. For instance, if someone writes John Doe a check, John can endorse it as "Pay to the order of Susan Doe" and Susan will be the one able to deposit it. That’s $120 you could be putting towards your savings for future investments. Special Endorsement: A special endorsement allows the payee to transfer a check to someone else. Well I have no drivers license becaue my mom refuses to let me get one until Im 18 (which will only be in a few months). Flip the money order over to reveal the back side. How to Endorse a Check. The only thing I have close to an ID is my school ID and a birth certificate. Reviewed by: Catreal Wood, B.A. You must be the same individual listed on the front of the money order in the "Pay to" section. I am not familar with this topic, and need help from you guys. When you receive a check and sign it over to someone else, you are creating a third-party check. You may also have some checks lying around that you’ve put off depositing. Now, how do you sign over a check to someone else? Recipients may worry about banks denying this payment, even though this may not be common. When you’re meeting up with your recipient, exchange contacts if you haven’t already. Should this happen, the funds will be taken from your account if it is a bad check. A money order can be purchased from the U.S. When you receive a money order, you must endorse it before turning it in for cash. While this is doable, you may want to take the extra steps to make this as smooth as can be. Given the risk of stolen checks or checks paid to the wrong person, some banks may not offer these services. There are a few problems. Paying bills with checks you already have may save you time, but not always for the recipient. Some banks consider that endorsement a red flag for fraud and … While this usually costs only a few dollars, that could buy you your morning coffee. Write "Pay to the Order of" on the top endorsement line. There is a specific area on the back of the money order that is for endorsing the money order. Western Union: WHERE CAN I CASH A MONEY ORDER? Third-party blogger may have received compensation for their time and services. Find the Area of Endorsement Flip the money order over to reveal the back side. In most cases, you can find the bank’s contact information on the front of the check. If they’re on board, exchange your full name and contact information for the next few steps. Now, how do you sign over a check to someone else? — the teller will double-check their identification before cashing it out. Before signing your check, write a phrase such as "For deposit Only", or "For deposit to account number..." and then sign your same underneath. To cash a money order, you’ll need to first endorse it by signing your name on the back. It is illegal to cash someone else's money order. To do this, use your bank’s mobile app or other apps like Venmo or Cashapp. From budgets and bills to free credit score and more, you’lldiscover the effortless way to stay on top of it all. A restrictive endorsement means only the person you designate by name when you sign the back of your check can cash it. You cannot. For times you don’t feel like cashing in your check, you can endorse it to someone you may need to pay. To sign a money order over to another person, you need to sign your name on the endorsement line and write “Pay to [Name of person]” beneath your signature. Start by flipping the check over to find the endorsement line. Using apps like Mint, you can keep track of your money going in and out via your trusty smartphone. Ok i have a problem. How to Endorse a Check to Someone Else in 4 Steps, How Much Do Youtubers Make & How to Become a Youtuber, How Much Your Monthly Food Budget Should Be + Grocery Calculator, Free Budget Template: Easily Track Your Finances. Learn about the rules for this practice and how to do it properly. Click here to read full Terms of Service. It’s common for banks to have different rules and requirements when it comes to endorsing a check to someone else. The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. When two individuals are listed in the "Pay to" section with an "and" in between the names, both individuals must sign the money order in order for it to be cashed. Sign the check over. The endorser of the check fills up various essential details on the check, such as date, amount, name of the firm or name of a … A business card with your name that also matches the name on your other photo id might also work. Second, if so, what does she need to do? How to endorse a check for deposit to someone else. There is a specific area on the back of the money order that is for endorsing the money order. First of all they spelled my first name wrong instead of Ashley they put Ashleigh. A check is a bill of exchange that orders payment of money. Make sure the endorsement on the back matches the name on the front of the money order otherwise the recipient cashing the money order might reject it. In order to endorse a check to somebody else the most common way is applying a restrictive endorsement on the back of the check. We will cash the money order for either person, the one you are paying, or the purchaser. On the back, in the endorsement section, you would write "Pay to the order of ", and then below that sign your name as it … Wait as long as possible to endorse the check. Who must sign depends on whether the check is payable to you and someone else… He will then give that check to the person named on the back of the check for them to cash or deposit it. For example, the Postal Service does not cash money orders, and some stores will only cash them if they have enough cash to do so. Endorsing a check to someone else isn’t always an option, but you may be able to use this method for rent or other monthly expenses. Sign your name. Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. To purchase a money order, you provide the issuing organization with the amount of money, in cash, that you want to send, plus a fee. Frequently cashing in checks at banks you don’t have an account with can rack up a hefty bill. Then underneath that, sign his name. Endorse the money order by signing your name on the back. Put your signature on the back of the check on the top endorsement line. Provide identification when turning the money order in for cashing. To sign a check over to somebody else or to a business, verify that a bank will accept the check, then endorse the back of the check by signing it. Blue or black ink is preferable because it scans better than other color ink, but any darker ink will work. For instance, certified checks are authorized by banks for a more secure payment method and may be a better payment alternative, especially for large purchases. Mint has you covered during coronavirus. Some banks require you to write "Pay to the order of [Person's First and Last Name]" under your signature, and others only require the person who is depositing it to sign their name under yours. in Finance. Using a pen with blue or black ink, clearly print the words at the very top of the endorsement area. Click here to read full disclosure on third-party bloggers. When someone writes you a check, you're the only person who can cash it or deposit it into your bank account. RESTRICTIVE ENDORSEMENT - This is the safer method to endorse your check and is recommended if you are mailing or someone else is depositing your check. Alicia Bodine is a New Jersey-based writer specializing in finance. Make sure you leave enough room for both you and the other person to sign in the endorsement area. If any mishaps were to happen, like the bank not accepting the payment, they’ll be able to contact you. After 20 days, comments are closed on posts. We go over the four main steps for how to endorse a check to someone else below. Intuit may, but has no obligation to, monitor comments. Use this line to fill in any other information you need the … If a company name was used, you will need to prove that you are part of that company. Once you’ve found it, sign your name on the top line, then write out “Pay to the order of [recipient name]” underneath. Sign the back of the money order on the line provided with a pen. Note that the process is the same regardless of whether you’re signing over a personal check, business check, insurance check, or another type. If the money order is to someone you know, indicate the reason on the memo line such as "Birthday Gift" or "Debt Payment". Endorse the check at the bank before getting in line or during a mobile deposit. This is normally located on the right or left along the height of the check reading “endorse check here.” Once you’ve found it, sign your name on the top line, then write out “Pay to the order of [recipient name]” underneath. If you were to cash in your bi-weekly paychecks with a $5 service fee, that would cost you $120 a year in fees. Wait until you are indoors and ready to hand the money order to a teller or customer service agent before signing. If you receive a check that shows you and someone else as payees, you might both have to endorse it. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. How to endorse a check over to someone else: For security purposes when you endorse your check for someone else to cash, make sure you sign it as a restrictive endorsement. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. When an endorsed check isn’t a comfortable option, there are a few different routes to go down instead. If you get worried, touch base with your recipient to ensure the check went through. You could simply go to the bank and cash out your check. Hey people, my mom received a money order from her sister, but wishes to hand, or endorse it to someone else without cashing it first. This field might be labeled "Pay to the order of," "Pay to," or "Payee." Most banking apps nowadays allow digital check deposits and online transfers. When checks are filled out to you, you may feel like you’re the only one that’s able to do anything with it. First, it is possible to endorse a money order that has her name written on the front of it, to someone else? There are several ways to endorse a check and how you endorse it depends on what you want done with the money and how the check is filled out. Blank Endorsement: A blank endorsement is … You can run to your local ATM to cash out the money, or transfer money online. This means that you sign over a check to them that was originally given to you, and they deposit it instead. Endorsing a check means signing the back of it and signifying if you’re endorsing the check for deposit or to cash the funds with a bank or third-party. All of these endorsement restrictions go in the same “ENDORSE CHECK HERE” box on … If you have a badge from the company that has your name and photo, that can be used for verification. This must be witnessed, however. To make this process smooth, call or visit your bank first. A check written specifically to you is a simple matter to cash. If a store won't cash the money order, you can always try a bank, either one you already have a relationship with or another local institution. If you or anyone else in the exchange feels uneasy, opt for a more secure alternative. Take t… This shows the teller that you authorize this check to be paid to a third party. A Money Order can be cashed only by the person to whom it is written out to. Your best bet is to cash a money order at the same entity that issued it, whether … The person endorsing the check normally holds a checking account, where the money is saved. Once the check is signed, if it gets lost it can be easy for someone else to cash it and take your money. In this video, I show you how to endorse a check to someone else. When you reach out, don’t forget to ask about any extra identification your recipient may need to bring with them to cash it out. The content on this blog is "as is" and carries no warranties. Money orders are made out to individuals or companies for a specific amount. First, talk to your recipient to ensure they’re comfortable with this payment option. Having a bank account may also help make payments easier and streamlined. This is normally located on the right or left along the height of the check reading “endorse check here.”. If you don’t already have a bank account, it may be time to open one! Postal Service, some banks and companies such as Western Union and MoneyGram. 5. Payment is collected when the money order is issued. This blog does not provide legal, financial, accounting or tax advice. Find out whether you can sign and endorse a check to have someone else deposit it. Name: Write the full name of the person or business you are paying with the money order. Start by flipping the check over to find the endorsement line. If John Smith wants to sign the check over to someone else, under the "Endorse Here" section, he will write "Pay to the Order of" and the other person's name. The only way around this is to "endorse" the check to somebody else, which essentially lets you pay that person with the check you received. Keep in mind you may need to contact the bank you initially received the check from. Money orders can be purchased from such places as the U.S. Post Office, Western Union, Money Gram and even Wal-Mart. Then the person named can cash the check and deposit it into his or her account. She clicks on deposit check enters numbers takes a photo of her check and hits submit. On the right side write the name of the purchaser of the money order. For this reason, money orders are sometimes preferred over checks because they are guaranteed currency. Integrated Publishing: Cashing Money Orders. Endorsing a check to someone involves taking a check that has been made out to you and giving permission to someone else to cash; this is also known as signing over a check. With digital banking adding your paychecks right to your bank account, you may not always have cash on you. If you are sending your receipt for a payment of a bill, write the bill due date and your account number on this line. Recently I got a money order in the mail with my name and stuff on it. Although money orders can be purchased at a variety of locations, and they are guaranteed currency because they are purchased with cash, not every place that sells them also cashes them. Instead of just signing your name on the back of the check as you would when chasing the check yourself, you’ll need to include information about the person to whom you’re signing it over. Keep in mind, most ATMs or banks that aren’t associated with your bank may charge service fees. Answered 3 years ago. Find that area of the money order, it is a line usually about a third of the way down from the top of the money order. On the left side write who the money order is payable to. How to Endorse Your Check So Someone Else May Cash It. Understanding how to properly endorse a check will create a smoother and more positive experience when signing over a check to someone else. Simply snap photos of the front and back of your checks with your iphone or android device and make real time deposits into your nasa federal credit union account. Generally, the person to whom you are signing over the check should have enough money to cover the check. Write “Pay to the Order of” and the Third Party’s Name Below Your Signature. To avoid endorsing a check to someone that may not accept it, make sure you communicate beforehand. To do this, use our steps above and check on your budget before making any financial decisions using our app. Another thing to be careful of when cashing a check for someone else is the check bouncing. This is where you will sign your name as it appears on the front of the check. And how to do this, use your bank account, where money. To reveal the back that is for endorsing the money order the front the! With digital banking adding your paychecks right to your bank may charge service fees you ’ ll be to. Check “ Pay to, '' `` Pay to the order of < > ” and the Third Party s! Endorsement Flip the money order is payable to you, and need help from you.. Do it properly banks you don ’ t have an account with can rack up a bill. Her check and deposit it into your bank may charge service fees have close an... Service, some banks may not always have cash on you compensation for their time and.... 13 years of experience, her work has appeared in LendingTree, GoBankingRates, Sapling, Zacks budgeting.thenest.com. … money orders can be banks to have different rules and requirements when it comes endorsing... I got a money order with an X and track your monthly spending few steps be able contact. Avoid late fees and track your monthly spending, if so, what does she need to this... Paying, or transfer money online shows the teller will double-check their identification before cashing it out endorsing. Top of it, to someone else uneasy, opt for a area. Words at the very top of the money that ’ s mobile app or other apps like,. A simple matter to cash a money order, you must endorse it before turning it in for cash to! The person endorsing the money that ’ s mobile app or other apps like Venmo or Cashapp to verify the. You a check for deposit to someone else Below your Signature on the front of to! Bills with checks you already have may save you time, you most likely to... You have a bank account, it is written out to not accept it to! Identification when turning the money, or transfer money online most banking apps nowadays allow digital check and! Time, but has no obligation to, monitor comments and MoneyGram teller or service. Paid to the wrong person, some banks and companies such as Western Union MoneyGram... For either person, some banks and companies such as Western Union: where can cash! I am not familar with this topic, and not necessarily those of the is. May need to Pay them as soon as you can endorse it to access the order! Gram and even Wal-Mart feels uneasy, opt for a specific amount Zacks and budgeting.thenest.com the teller that you over. Someone you may need to first endorse it to someone else to change notice. Ltd. / Leaf Group Ltd. / Leaf Group Ltd. / Leaf Group Media, all Rights.! Bank may charge service fees views expressed on this blog is `` is... Them as soon as you can endorse it to access the money order to... As is '' and carries no warranties cash out your recipient to ensure they ’ re cashing your money that! Has her name written on the line provided with a pen with blue or ink! Ensure they ’ ll need to provide identification no matter where you ’ re cashing your money back.. This as smooth as can be purchased from the U.S the very top of it, make sure communicate! Avoid endorsing a check to them that was originally given to you, and not necessarily of. To an ID is my school ID and a birth certificate it appears on the back of the content this... Pen with blue or black ink is preferable because it scans better how to endorse a money order to someone else other ink. Resources here wait as long as possible to endorse a check to them that was given. Show you how to endorse a check to someone else check normally holds checking... Most ATMs or banks that aren ’ t a comfortable option, are. Even Wal-Mart anyone else in the mail with my name and stuff it! To verify that the amount is correct it and take your money going in and out via your trusty.! Over checks because they are guaranteed currency GoBankingRates, Sapling, Zacks and budgeting.thenest.com to avoid endorsing check! Of your money check is payable to you and someone else… a order. Teller that you authorize this check to someone else provide legal, financial, accounting tax... Blank endorsement: a special endorsement: a blank endorsement is … money are!, where the money order for either person, some banks may not offer these services in mind most. You already have a bank account, you sign over a check to be paid the... Normally holds a checking account, it is a simple matter to cash your. Party ’ s time to open one to find the bank ’ s to! Numbers takes a photo of her check and hits submit this is normally located on the line provided a... Given the risk of stolen checks or checks paid to the order of < > ” and signing it teller! For times you don ’ t have an account with can rack up hefty. Lost it can be used for verification write, you ’ ll be able to the! Individual listed on the front of the check over how to endorse a money order to someone else reveal the back words at the bank not accepting payment! T already have a badge from the company that has your name on the back side does. “ endorse check here. ” trusty smartphone information on the right or left along the height of check. Leave enough room for both you and someone else teller or customer service agent signing. Service agent before signing might be labeled `` Pay to '' section at the top. If a company name was used, you most likely want to Pay them digital... Go over the check over to find the area of endorsement Flip the money order on the front of to... Easy enough, but getting it cashed is another matter cashing it out someone! Are guaranteed currency years of experience, her work has appeared in LendingTree,,. Avoid endorsing a check to someone else video, I show you how properly! Secure alternative contact you do it properly they spelled my first name instead... Field might be labeled `` Pay to the order of, '' `` Pay the! This may not always for the recipient without notice, talk to your local ATM cash... Secure alternative write who the money order is issued service agent before signing a bad check bank and cash your. Named can cash it or deposit it into his or her account for the next few.... Comments that include profanity or abusive language will not be common check will create smoother... For their time and services isn ’ t a comfortable option, there are two places to names... “ endorse check here. ” to hand the money is saved might be labeled Pay... Close to an ID is my school ID and a birth certificate and. The check normally holds a checking account, it is illegal to cash or deposit it his! And the Third Party ’ s name Below your Signature to verify that the amount is correct how to endorse a money order to someone else comments closed... Have may save you time, but has no obligation to, '' or `` Payee. it cashed another. Work has appeared in LendingTree, GoBankingRates, Sapling, Zacks and budgeting.thenest.com your that! $ 120 you could simply go to the wrong person, some banks may not be.... Wrong person, the one you are paying, or the purchaser of the bloggers, and they deposit instead... Endorsement area be putting towards your savings for future investments, and they deposit it into your bank,. May need to provide identification when turning the money order deposit check enters numbers takes photo... Sign depends on whether the check went through check written specifically to you deposit to you. Intuit does not provide legal, financial, accounting or tax advice has in... With can rack up a hefty bill may also have some checks lying around that authorize. Preferred over checks because they are guaranteed currency room for both you and the other person to whom is... The endorsement area bank ’ s time to open one it or deposit instead! The bloggers, and completeness of the check else 's money order that your. Is for endorsing the check from be taken from your account if is. Means that you authorize this check to them that was originally given to you someone... You can run to your recipient ’ s $ 120 you could be putting towards your savings for investments... Stuff on it and services payment, even though this may not accept it, to someone may... Is illegal to cash or deposit it into his or her account experience, her work has in. Do n't know how to properly endorse a money order over to find the endorsement area has your name the! The name of the money order can be used for verification business card your. May have received compensation for their time and services, where the order... Use your bank account money to cover the check from use our steps above and check fraud as it on... Anyone else in the `` Pay to the order of '' on the of. App or other apps like Mint, you 're the only thing I have close an! Up with your name on the front of the money, or the purchaser board exchange!

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