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Banks are generally required to reimburse customers for forged checks. However, based on individual circumstances, a bank can investigate to determine if the customer is entitled to a reimbursement. the customer's failure to exercise ordinary care substantially contributed to an alteration or forgery.
Signature (s) Irregular ? Irregular signature or signature irregular returns are caused by a signature that does not match the account holder, or if the signature appears damaged, altered or otherwise obscured. Signature Irregular checks cannot be redeposited. A new item must be obtained from the maker of the check.
Generally, the bank or credit union will likely either not accept the check or return it to you. You will have to get the person who gave you the check to sign it before you can cash it.
Sometimes you may receive a check that has no endorsement line or box on the back. That doesn't invalidate the check. Simply sign in the usual spot you would on the back and deposit it as you normally would.
If you mess up ? like making a spelling mistake ? don't worry. Cross out the mistake, then add your initials. Try to make a clear line through the mistake, instead of scribbling it out. Once you've done this, you can endorse the check like normal.
?For Mobile Deposit Only? must be written legibly below your signature. Unfortunately, if you deposit a check through our mobile app without a signature or this endorsement, the check may be rejected and the deposit will be removed from your account.
That said, you can return a check for missing endorsement within your bank's midnight deadline. After that, you will need the appropriate affidavit and you'll send the check directly in a claim without entry against the warranties. In most states, such a claim must be made within three years.
Forged/Missing/Incorrect Endorsement Everything about the signature on the back of the check (AKA the endorsement) is warranted by the depository institution. If the signature is not valid (is not the signature of the payee), or the named payee of the check did not benefit from the item, the BOFD is on the hook.