Ensures the check is processed correctly and without delays. Allows you to sign over a check to another party if needed. Helps avoid bank rejections due to incorrect endorsements. Locate the Endor ...

Knowing how to address these restrictions before cashing or depositing your two-party check can prevent delays. Be aware that “and” payees require both parties to sign the back of the check.

You may be wondering, when would you receive a two-party check? For example ... If it says "and", both people need to sign the check, and it might have to go into a joint account.