If you receive a check made out to your child, you usually cannot cash or deposit it without endorsing it correctly. Because minors cannot legally endorse checks on their own, a parent or legal guardian must sign on their behalf. This guide explains exactly how to endorse a check for a child, step by step, and how to avoid common mistakes that cause banks to reject deposits.
What Does It Mean to Endorse a Check for a Child?
Endorsing a check means signing the back so it can be deposited or cashed. When a check is made out to a minor, the child cannot legally endorse it alone. Instead, a parent or court-appointed legal guardian must endorse the check in a specific format that shows they are acting on the child’s behalf.
How to Endorse a Check for a Child (Step-by-Step)
- Confirm you are the parent or legal guardian
You must have legal authority over the child. Banks may request ID or documentation if the endorsement is questioned. - Sign the child’s name exactly as written on the check
Write the child’s full name on the back of the check. - Add the word “Minor”
This clarifies that the check belongs to a child.
Example: John Doe, Minor - Sign your name as the parent or guardian
Below the child’s name, write:
By Jane Doe, Parent or By Jane Doe, Legal Guardian - Deposit or cash the check
You may deposit it into a custodial account, the child’s account, or (in some cases) your own account, depending on bank policy.
Where Can You Deposit a Check Made Out to a Child?
- Custodial (UTMA/UGMA) account – Recommended by most banks
- The child’s bank account – If one already exists
- Your personal account – Allowed by some banks, but not all
If you do not have a bank account, see: How to Cash a Check Without a Bank Account.
Common Questions About Endorsing Checks for Minors
Can I deposit my child’s check into my own account?
Sometimes. Many banks allow this for small checks, but policies vary. A custodial account is usually the safest option to avoid rejection.
What if the check is made out to both me and my child?
Both names must be endorsed. Endorse the child’s name with “Minor” and then endorse your own name.
Is writing “Minor” required?
Not always, but it is strongly recommended. It reduces confusion and lowers the risk of a rejected deposit.
Can someone other than a parent endorse the check?
No. Only a parent or legal guardian can endorse a check for a child unless a court order grants authorization.
Legal & Banking Tips to Avoid Problems
- Use a custodial account for repeated deposits
- Bring photo ID when depositing or cashing
- Ask your bank about their minor-check policy before visiting
- Keep records of checks deposited on a child’s behalf
Related Guides
- How to Endorse a Check (All Situations)
- Third-Party Check Rules Explained
- How to Cash a Check Instantly
Bottom Line
Endorsing a check for a child is simple when done correctly. By signing the child’s name, clearly marking them as a minor, and adding your signature as the parent or guardian, you can avoid delays and rejected deposits. When in doubt, confirm your bank’s policy or use a custodial account for the smoothest experience.
