How To Deposit Checks Made Out to Children

Recently my son Devin had a check made out to him (as a gift), and I couldn’t remember exactly what the proper way to deposit it is for a young child who doesn’t have a bank account.  So I looked up the following instructions that I thought might be useful to other parents:

  1. Print the words “For Deposit Only” on the top of the back of the check. This endorsement restricts the check to only being deposited, not cashed.
  2. Have your child print or sign their name on the check directly under the words “For Deposit Only”, but if your child is too young to sign their own name then write the word “By:” and sign your name with the word “Parent” right after.  
  3. If your child was able to sign their name then sign your name directly underneath your child’s printed or signed name. This will endorse the check over to you so that you can deposit it into your bank account.

Of course it’s always a good idea to check with your financial institution for specific guidelines.

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