What Are the Three Types of Check Endorsements?

The three types of check endorsements are blank, restrictive and special. Each type of endorsement has its own rules for depositing or cashing the check.

A blank endorsement, the most common type, is endorsed by the payee and presented to the bank for cash or deposit. A restrictive endorsement is done by writing “For deposit only” in the endorsement area, instead of the payee signing his name. This type of endorsement is only to be deposited to the payee’s account at his financial institution.

A special endorsement is used when the payee wishes to sign a check over to another person. This is done by the payee signing his name, then writing “Pay to the order of (new person’s first and last name).” The new payee then signs his name in the endorsement area and cashes or deposits the check.