Back of Check Images are Blank and not Endorsed
"In general, a lack of endorsement (meaning nothing written by the receiver on the back of the check) is equivalent to it being endorsed ""as deposit only"" to a bank that the depositor has an account with. (See Uniform Commercial Code §4-205.) That is, the bank that receives a deposit without any endorsement promises to the banks that process the check along the line all the way back to your bank, that they properly deposited the money into the account of the entity that the check was made out to. With checks being processed with more and more automation, it's getting fairly common for there to be little writing needed on the check itself, as the digital copy gets submitted to the banking system for clearing. If you're concerned about there being some sort of fraud, that perhaps the entity that you're sending money to isn't the ones that should be getting it, or that they're not actually getting the money, or something like that, that's really an entirely different concern. I would expect that if you were saying that you paid something, and the payee said that you hadn't, that you would dispute the transaction with your bank. They should be able to follow the electronic trail to where the money went, but I suspect they only do so as part of an investigation (and possibly only in an investigation that involved law enforcement of some type). If you're just curious about what bank account number your deposit went into, then it just looks like you're the one trying to commit some sort of fraud (even if you're just being curious), and they don't have much incentive to try to help you out there."
Let me get this straight. I would stand my ground. Your son negotiated in good faith. Either they messed up, or they are dishonest. Either way your son wasn't the one supposed to know all the internal rules. I don't think it matters if they cashed the check or not. I would tell them if they have cashed it, that is even more evidence the deal was finalized. But even if they they didn't cash it, it only proves they are very disorganized. If for some reason your son feels forced to redo the deal, have him start the negotiations way below the price that was agreed to.  If the deal for some strange reason gets voided don't let him agree to some sort of restocking fee. "1.Why is there no ""United States Treasury"" endorsement? Why should there be, and what do you think it would look like? Some person at Treasury sitting at a desk all day signing ""Uncle Sam""? At most you would expect to see some stamp, because it's clear that no person is going to sign all of these checks. 2.Can I have the check returned for proper endorsement? No, this is none of your business unless you have some serious reason to believe that someone other than the treasury cashed your check. (If that were really your concern, then you'd have a bigger issue than the endorsement.) 3.If I am required to endorse checks made out to me, why isn't the US Treasury? As others have noted, an endorsement is often not required as long as the name on the check matches a name on the account to which it is deposited.  Individual banks may have stricter rules, but that's between you and your bank." I used to work for a online payment posting company. Anytime a payment is made via Credit Card to a company that does not have PCI DSS(aka the ability/certification to store credit card information) there is a MD5 checksum(of the confirmation code, not the Credit Card information) that get sent to the company from the processor(billing tree, paypal, etc). The company should be able to send this information back to the processor in order to refund the payment.  If the company isn't able to do this, to be honest they shouldn't be taking online credit card payments. And by all means do not send your credit card information in an email. As said above, call the company's customer service line and give them the info to credit your account. It's not the legitimate checks or bounced checks that are the problem, it's phony checks issued against real accounts with actual money in them.  All the security measures on the check don't amount to crap if someone can print up some legitimate looking checks with bogus amounts on them, or even just steal some printed checks and sign something resembling the authorized signature. If the check is made out to him, he will have to endorse it. Which means that at some point he will have to physically have the check in his hands. At which point, he could probably just deposit it himself. If there's some problem getting the check to him for him to sign it, you could call the bank and ask if they'll accept it for deposit to his account without a signature. I understand some banks will do this. I would be very surprised if they would let you deposit a check made out to your son to your account. They'd have no way of knowing if your son was agreeable to this or if you were stealing his money. Traditionally, the person the check was made out to could endorse it, give the check to someone else, and then the second person could endorse it and deposit it to their (the second person's) account. That is, the endorsement would have your son's signature, and below that, your signature. But I understand some banks won't accept this any more, so you'd be best to check before trying it. If it doesn't seem that important, why bother blacking the name out? For the effort, it might cost you less in your time to have the checks reprinted. There's no way to know what all banks would do with a check that has a name crossed out, but most would ignore it. Most checks are processed automatically. Signatures are not verified, post-dated checks can usually still be deposited. Occasionally you'll have a bank or merchant reject a check, but don't expect that to be the norm. So my wife was at work today and got yelled at by both a cop and her managers for simply LOOKING at the card. I don't understand I also work in retail and of course I must see the card to ensure it is a real card, it is a very strict policy that we must have a valid physical card to run any credit/debit transactions. People put skimmers everywhere you use your card and can pick up the info off the strip and put it onto another card and use it without you noticing right away. With the right equipment they can put their name on it or the name on their fake I.d. so the only red flag would be them trying to use several different cards "In absence of complete information, I can only speculate that your phrases We both endorsed the cheque,  and especially since the name on the cheque doesn't seem to be the name of the person I spoke with. mean that the check was payable to Jane Doe but was endorsed by  someone you know as Wade Roe using language such as ""Pay to the  order of user6344"" and then you endorsed it as something like  ""For deposit only to Acct# 1234567890"" and gave it to the bank teller with a deposit slip for Acct# 1234567890. Presumably Wade Roe did not accompany you to the bank and the bank teller did not notice that the check was not endorsed to you by Jane Doe, or she did go with you to the bank but the teller did not check her ID when she endorsed the check.  In any case, you, as a customer of the bank, are definitely on the hook in the sense that you in effect guaranteed the validity of Wade Roe's endorsement of the check payable to Jane Doe. You presented the check to the bank as a legitimate check that you were legitimately entitled to deposit in your account.  In effect, if fraud was committed, you committed the fraud by depositing a bum check.  As all the other answers have said, you need to go down to the bank and talk to a bank officer, preferably the manager, right  away.  Don't go to a teller (even though in many banks, the tellers have job titles like assistant vice-president." I do know that a blank check has all the information they need for the electronic transfer. They probably add it as a customer service to streamline future payments. Though I don't think automatically adding it makes good business sense. It is possible that the form used to submit the check included a line to added the account to the list of authorized accounts.  He might have been lucky he didn't set up a recurring payment.  I would check the website to see if there is a tool to remove the account info from the list of payment options. There has to be a way to edit the list so that if you change banks you can update the information, yet not keep the old accounts on the list. Talk to customer service if the website doesn't have a way of removing the account. Tell them that you have to edit the account information. And give them your info. If they balk at the change tell them that they could be committing fraud if the money is pulled from an unauthorized account. First, if your account has been closed you should not be able to use your debit card in any format.  As you mentioned that you are able to use that so your back account is active. So this indicates it is a scam In case account is closed, bank confirms your address and will send you a cheque for the amount in your account.  Don't worry. You money will never be lost "It is not allowed to pay refunds to anyone other than the taxpayer. This is due to various tax return fraud schemes that were running around. Banks are required to enforce this. If the direct deposit is denied, a check will be issued. In her name, obviously. What she does with it when she gets it is her business - but I believe that tax refund checks may not be just ""endorsed"", the bank will likely want to see her when you deposit it to your account, even if it is endorsed. For the same reason." "In the US, Section 3.114 of the Uniform Commercial Code sets the rules for how any confusion in checks or other business transactions is handled: “If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.”  If there was any ambiguity in the way you wrote out the amount, the institution will compare the two fields (the written words and the courtesy box (digits)) to see if the ambiguity can be resolved.  The reality is that the busy tellers and ATM operators typically are going to look at the numeric digits first. So even if they happen to notice the traditional ""and..."" missing, it seems highly unlikely that such an omission would cause enough ambiguity between these the two fields to reject the payment. Common sense dictates here. I wouldn't worry about it." "&gt; Every credit card has a space on the back for a signature. And for decades, retailers would check the signature on your ID ... This worked for a long time, until retailers ...  For decades, retailers never compared signatures on credit cards to the person's signature. Impractical and not even worth it as anyone can copy a signature on a card.  Neither do banks bother to check for signature. They don't even have a ""signature on-file"" anymore.   Try it! Deposit a check or buy with a credit card and scribble something unrelated as a signature! The deposit or credit card transaction will go through. I guarantee you that! **Please try it! Let me know if it did not work!**  I know what I am talking about because I deal with credit cards a lot, professionally, in IT.  The only sure thing is to ask for a PIN. But, alas, credit cards use a chip, so if I steall your card, I can buy with it with no problems. But not if I still your ATM card - I don't know your PIN. The PIN is in your head and I can't get it.  The credit card companies don't really care." You purchased the check from the bank. Your funds have been transferred. If the recipient never cashed the check, the money continues to be the bank's, just as if you had written s normal check that didn't get cashed the money would sit in your account. I have been using Bill Pay from BoA, Chase, and a local Credit Union, all for at least five years (maybe even 10), and never had any issues with lost checks. Sometimes, an address given to me was incorrect, and what happens is either nothing (meaning, after 90 days, the check is considered outdated and the money gets reimbursed in the account) the bank notifies me after about two weeks that the check was returned as 'recipient not found at that address' or 'invalid address', and the money gets restored right then. That is no guarantee, of course, that nothing will ever happen. But banks are not supposed to accept checks where the recipient name does not match. Also, you should consider using 'Quick Pay' or 'Pay an individual' instead, whatever your bank calls it. That will transfer the money same or next day to your other account, without ever mailing a check. You do not need to enter account information across banks, it works by both banks contacting you through your logins/emails.