Who Endorses the Check?

To receive the funds, the payee must sign, or endorse, the back of the check. This signature, called an endorsement, informs the bank or credit union that whoever signed the check is the payee and wants to accept the money.

Does the recipient endorse the check?

In order to finish a check transaction and receive your money, you as the check receiver must endorse the back of the check. Endorsing a check is incredibly easy. All you have to do is flip the check over to the back, find the words "ENDORSE CHECK HERE" and sign your signature where indicated.

Does the person who wrote the check endorse it?

The person writing the check has already signed and endorsed it. The depositer's signature is not to confirm the check's validity, but to demonstrate that the check was depisited to the correct Fred Smith's account, and permit charges to be brought if, eg, Fred Bonzo Smith tries to steal Fred Gnorph Smith's check.