How do I endorse for deposit a check written to a minor child? Do I
sign his name or mine, and do I write anything else?

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Request for Question Clarification by hummer-ga on 17 Nov 2003 07:09 PST

Hi 010,

How old is the child? Is he/she able to write or print his/her own name? 

Thanks, hummer

Greetings 010:

I just got off the phone with Vicki, a representative of NBC (National
Bank of Commerce), and here is what she said was acceptable to that
bank:

First of all, you would go to the bank where you have *your* account. 
If the child cannot write (in the case of an infant or toddler) then
you would endorse the check as follows -

[child's name]
by [parent's signature]
[parent's account number]

If the child can write, you would have the child sign their name and
you would sign below with your name and account number-

[child's signature]
[parent's signature]
[parent's account number]

Vicki said that this procedure is acceptable to NBC for cashing checks
written to a minor (child under 18 years of age) and she added that
she did not know the policies of all banks but that NBC would honor
the parent's account for the child's check. Vicki added that if the
parent did *not* have an account at the bank, there might be problems
with cashing the check.

Thank you for asking this interesting question!  I would suggest that
you phone your bank to confirm if they have the same policy so as to
avoid any unnecessary wait when you reach the bank but this policy
sounds to me as if it is probably practiced among most banking
institutions.

Best regards,
journalist-ga


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[personal phone call to National Bank of Commerce]