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Do both my spouse and I have to sign the back of a check made out to us?

Take a look at the wording on the front of the check to see who has to sign it, before the money can be deposited or the check can be cashed.

Who needs to endorse a check made out to two people?

Checks issued to two people together, such as Pat and Chris Doe, generally need to be signed by both people before the bank or credit union cashes the check or deposits the money.

Checks issued to Pat or Chris Doe can generally be signed by either person. The bank or credit union permits either person to cash the check or deposit the money.