If you’re concerned about security, you may be hesitant to use your signature and account number. The person who wrote the check can get a copy of your endorsed check, and they’ll be able to copy and use that information. They can even do annoying things like drain your bank account and steal your identity.
Leaving it Blank
In some cases, you can deposit a check to your account without writing anything on it. For extra clarity, you can write 'for deposit only' (but technically this is still not an endorsement).
If the check is payable to you and you deposit it in your bank account, the bank should not require any endorsement. The payee (that’s you) and account owner (again, you) are the same person, so everything’s kosher.
Note that you bank may still require you to endorse the check as part of their policy, so check with them before you start sending unendorsed checks. Larger checks are more likely to cause problems.
Also, your account number may end up on the check anyway. If the bank writes or prints the number on the check for processing and tracking, your caution won’t do any good (but at least they won’t have your signature).
Return to the main page on How to Endorse Checks.