how to get a cashier's check

Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. If you’re ready to make a big purchase and getting a cashier’s check is on your to-do list, be sure to bring the following information with you: The exact amount that the bank should print on the check. Contact us to interview one of our experts. He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. If a cashier check don't have a bank name or number is it fraudulent, What does a cashier check look like from Huntington National Bank, Government-Issued ID (e.g., driver’s license or passport), Payee’s Name (must be entered on the spot), Check Amount (must be covered by cash or account balance). As far as online shopping is concerned, your best bet is to simply use a credit card. If you're a Bank of America customer with a checking or savings account, you can get a cashier's check for a $15 fee (which will be waived for customers enrolled in Preferred Rewards; refer to the Personal Schedule of Fees for complete details). A cashier’s check is issued by a bank (or credit union) and the payment is guaranteed because it’s drawing from the bank’s own funds, instead of from someone’s personal account. Money Orders and certified checks are quite similar to a cashier’s check , but there are key differences to take note of before choosing the best option for your situation. That said, the method for buying a cashier's check to pay for a car or furniture is exactly the same as the one outlined above. All credit cards provide $0 liability guarantees that ensure you won’t have to pay for any fraudulent transactions. Approved. Research source You may also receive a cashier’s check after closing a deposit account that still has money in it. Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines. If you are not sure of this information, ask the payee. Although cashier’s checks cannot bounce, they are nonetheless vulnerable to other dangers such as theft or fraud. To get a cashier's check, you'll have to go to your bank and first make sure you have enough funds to cover the check amount. Be wary of accepting cashier's checks in certain situations. Remember, your account will be... Make sure you’ve got the correct full name of the person or institution you’re paying. By using our site, you agree to our. If you are not a customer of the bank where you purchase the check, you may have to pay a higher fee (typically some percentage of the check amount). Read on to learn more. Some providers, especially large national banks, will cut the cashier’s checks to anyone for a fee, but you can expect to pay more if you don’t have an existing banking relationship with them. When you visit the bank, the bank will issue the check using the funds from your account, sometimes charging a small fee. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. When doing so, you’ll need to present a government-issued ID (e.g., driver’s license or passport) and possibly a second form of identification such as a credit card or utility bill. A representative of the bank signs it. The physical nature of cashier’s checks makes them susceptible to damage, loss and theft. It offers a secure way to pay in situations where a personal check is not appropriate, such as real estate transactions. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). Call us at 1-877-247-2559 to request a cashier’s check – at no charge. If you choose to have the cashier’s check mailed, it will be sent to the address on your account. You can purchase a cashier’s check at a bank or a credit union, in person or online. Keep in mind, a cashier's check is not a loan or any other type of cash advance. If needed, provide the payment for the check, then wait for the teller to print the cashier's check for you. Can the payee get the money as soon as they receive the cashiers check? When you get a cashier’s check online, you may need to wait for it. PNC Cashiers Check Fees. PNC account holders are able to get a cashiers check free of charge. How to get a cashier’s check. Step 3: Pay The Piper – You’ll need to pay the check’s full face value as well as any applicable fees up-front. Give a bank teller all the information you have prepared, and allow him to print the check for you. Business, government, US Treasury, cashier's and traveler's checks are different. Typically, getting a cashier’s check is a face-to-face transaction, meaning you can’t get one online or at the drive-through. If the funds are in an account at that institution, the … Let’s say you move into a new apartment and your landlord requires you pay first and last month’s rent, plus the security deposit, with a cashier’s check. Personal checks can be used to pay bills, make purchases or pay debts owed to someone else. However, advanced printing technology has made it possible for fraudsters to forge cashier’s checks and even duplicate security features intended to guard them against illegal activity. By law, banks are under no obligation to accept personal or business checks that are older than 6 months. Did you know you can read expert answers for this article? By law, the funds from a cashier’s check for $5,000 or less deposited in person at a bank branch will be available by the next business day. unlocking this expert answer. Also known as a bank check, teller’s check or an official check, these special payment instruments typically cost about $7 on average and are used to make large transactions, such as the sale of a house or car, safer for all parties. To get a cashier’s check, you’ll need: 1. To be get a US Bank Cashier’s check, you’ll need a checking or savings account to pull funds from. Find a large bank that issues cashier's checks to the general public, and bring cash funds, if you do not have a bank account. Fill in all the information. There are fees associated with getting a cashier’s check, so you might want to call ahead. You can get a cashier's check at a bank, for a small fee (often around ten dollars), by following a very simple process.. Support wikiHow by Click “Account Services and Settings” located under your account’s balance information. The upside of using a cashier’s test to pay someone (or get hold of payment) in the region of a non-public check or coins is that it’s far relaxed. Although they are generally viewed as secure, cashier's check fraud is a fairly common practice; a fraudulent cashier's check will clear your bank account several days before it is discovered to be bad, and you, not the charlatan, will be liable to repay the bank for the full amount. Because the funds are drawn directly against the issuing bank’s cash reserves — not a customer’s personal account — the checks cannot bounce. Under the “Checks” category, select “Cashier’s Check.” Follow the prompts to order your cashier’s check. That’s because ACH and wire transfers are considered the equivalents of an electronic cashier’s check in terms of security. Also called a cashier check or bank draft, a cashier’s check is a check that is issued and guaranteed by a bank. Your support helps wikiHow to create more in-depth illustrated articles and videos and to share our trusted brand of instructional content with millions of people all over the world. If you can't make it into a bank branch, you may be able to have a cashier's check sent to you. A cashier's check is a check that is a drawn on a bank's funds rather than your own personal funds. He has a BBA in Industrial Management from the University of Texas at Austin. If you have an existing relationship with a bank, some banks offer the option to mail a cashier's check to your physical address. ), you inform the teller how much the check needs to be made out for, who to make it payable to, and any memo to include on the check. Usually, the best place to … To get a cashier’s check, you provide the necessary funds to the bank, plus a fee of about $10, and then the bank writes the check. You'll then ask the teller for the cashier's check, give them the recipient's information and pay the fee associated with the check. … Can I get cashier's checks at a financial center? Cashier’s checks are often considered safer payment options than cash and personal checks because payment against them is always guaranteed — as long as they’re genuine. The top ten banks in the United States have an average cashier's check fee of $9.10. If the check never reaches its destination for any reason, the bank can cancel the original check and resend payment. "Step-by-step answer with description of what I'd see, hear and do, allowed mental rehearsal. Traveler's checks and domestic United States Postal Service (USPS) money orders do not expire. To get a cashier's check, you must have the full amount of the check already available in your account. Cashier’s checks may be sent to the address on your account or routed to any Navy Federal branch in the U.S. or overseas for pickup. Below, we provide an overview of cashier’s checks, including: where and how to buy them, how to cash them, whether they’re safe and what to do if they’re lost, stolen or damaged. You would use this type of check when a personal check is not allowed. Compare prices between different banks to get the best deal. No. Cashiers Check for Car for Sale. As a result, a fake cashier’s check that you deposit can still clear. The money will then be available when the payee cashes the check. Give the payee name, check amount, and your ID to the teller. Should you be handed a fake cashiers check, there's a good chance the bank may not detect it until days or weeks after depositing it, but by then the buyer is long gone, leaving you neck deep in a financial hole. Disclaimer: Editorial and user-generated content is not provided or commissioned by financial institutions. This article has been viewed 971,900 times. You can purchase a cashier’s check from most banks and credit unions. Last Updated: March 13, 2020 He has over 40 years of experience in business and finance, including as a Vice President for Blue Cross Blue Shield of Texas. U.S. Treasury checks are good for up to one year. If I am in a place where I do not have bank access, what is the best way to get a cashier's check? References After showing valid identification (driver’s license, passport, etc. With a cashier’s check, you must request a new check from the bank and, in most cases, purchase an indemnity bond from an insurance company. Make sure you know how much you want the check to be and the name of the business or person you’re paying. Postage or delivery fees might then apply. wikiHow is where trusted research and expert knowledge come together. Because cashier's checks are checks issued by banks, they represent a guarantee of existing funds. Only a few banks such as Wells Fargo (branch-based) and Ally Bank (online-only) allow customers to buy cashier’s checks online. There should be a number on the back of the check to call and verify funds. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. You’ll commonly pay a charge for a cashier’s check to the bank, with the standard price on the country’s biggest banks soaring around $10. Sufficient funds to cover the check amountYou can typically use either cash or the balance of your bank account to fund a cashier’s check. You have 90 to 120 days from the date a cashier’s check is issued to cash it. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. To get a cashier’s check, you need to bring the cash to the bank. That said, here are your options: When Can I Spend The Funds From A Cashier’s Check I Deposited? Your web browser (Internet Explorer) is out of date and no longer supported. Frustrated with stomach issues, but don't know what's wrong? Cashier’s Check Vs Money Orders and Certified Checks A cashier’s check isn’t the only method of making large payments without using a personal check. If you are a customer of the bank where you purchase the cashier's check, you may receive a discounted price for the service. No need to open an account. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Do I need the current address of the payee when getting a cashier's check? Anyone can write a personal check for any amount, but that doesn't mean the check is any good. % of people told us that this article helped them. Pay the check amount plus any applicable fee. But there are situations where you may need to use a cashier’s check … In this situation, you have two options: Personal checks are typically good for 6 months. Bring any documents that show how much you need the check to be written out for, to ensure you have this information with you when purchasing the check. Or if you have an account there, you need to have the amount in your account and the bank will withdraw it, moving it to the bank’s own account. However, when it comes time to obtain a cashier's check, you won't be the one who fills it out. You go to your bank or other financial institution with the full amount you need in your account. That depends on the check amount and deposit method. You can’t write one on your own. In other words, checks do generally expire after a certain amount of time, which varies depending on the type of check. The table below lists which payment types are typically accepted. A cashier’s check is a type of check issued by a bank or credit union and signed by a cashier or teller. Can I Buy & Send A Cashier’s Check Online? How do I apply for a cashier's check to get money for a car and furniture? It's wise to contact the issuer before attempting to cash a stale check. The exact name of the person or business you’re paying. It may be beneficial to bring multiple forms of ID, particularly if you need a cashier's check for a large amount. Non-account holders are only able to purchase the cashiers check using cash. When you go to purchase a cashier’s check, you’ll need to bring the exact amount of money you want the check made out for, as well as the name of the person or institution that you’re paying. Delivery time will vary based on the shipping method chosen. To learn about securing and tracking your purchased cashier's check, read on! A cashier's check, also known as a bank check or treasurer's check, is a check drawn on bank funds. You can neither send someone a cashier’s check electronically nor use it for spending online. Can I purchase a cashier's check with a debit card? To get a cashier's check, determine the name of the payee and the exact amount you need the check to be. To learn about securing and tracking your purchased cashier's check, read on! Otherwise, the bank wants to be sure that you're using available funds to pay for the check. Please consider making a contribution to wikiHow today. And it’s not easy to deal with either problem. The check can still be replaced or reissued if the situation warrants it, but the process can be painful. Some upper-level bank accounts may qualify for free cashier's check service. In most cases, however, you must do so in person and must have an account with the issuing bank. It would be safe to cash it at the bank it was drawn on. instructions seemed like a helpful, reassuring friend. The teller may have to sign the check for you, he may use a stamp, or another method of verification. X Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. If needed, you can also open a new account with sufficient funds to cover the check. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow. Amid the current public health and economic crises, when the world is shifting dramatically and we are all learning and adapting to changes in daily life, people need wikiHow more than ever. If you have an account with a bank or credit union, you should be able to cash any cashier’s check without paying a fee. We use cookies to make wikiHow great. ", Unlock expert answers by supporting wikiHow. This article has been viewed 971,900 times. Why do banks only sell cashier's checks to bank customers? You only have to worry about the check bouncing if the issuing bank goes under, which is highly unlikely. A certified cashiers check is the next best thing to cash, but the risk of fraud still exists. Second-person, "I liked the information, it was a very big help. Get An Autograph – Upon verifying your ability to pay for the amount in question, either the teller or … Within a few minutes, you should have a... Online: Some banks—particularly online banks—allow you to request cashier’s checks online. Order a cashier's check now. I would use it or recommend it to anyone else I know.". Then, the bank will issue the cashier’s check, typically with a fee of around $10. … In this case, 88% of readers who voted found the article helpful, earning it our reader-approved status. How to Get a Cashier’s Check Make sure that you’ve got the funds to cover the check before you go to the branch. As with any check, fraud is possible, however with cashier's checks there are fewer opportunities. *Requires obtaining cash advance, which is very costly on its own. This article was co-authored by Michael R. Lewis. How do I make sure a cashier's check is legitimate? We don’t currently issue certified checks or money orders, but we can issue cashier’s checks. At the time of purchase, you provide the bank with cash to cover the amount of the check or use the money in your account at the bank. Unfortunately, you cannot simply “cancel” or request a stop payment on a bank-guaranteed item. You’ll need to go to your bank or credit union to purchase a cashier’s check. A cashier's check is a check that offers significantly more security to the payee because it's drawn against the bank's funds and not against an individual account holder's funds. If I decide not to pay with a cashier's check, can I get the money back into my bank account? What bank can I go into with $45000 cash, not having an account and get a cashiers check? The name of the payee 3. If you're buying the check with cash, you don't have to be a customer. Related: This Is How Long It Takes for a Check to Clear at Your Bank. If your cashier's check is getting used to pay an organization and not an individual, be sure to find out how to complete the payee information according to the organization's guidelines. Can I purchase a cashiers check with a credit card? Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. 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\n<\/p><\/div>"}, Website with up-to-date information for consumers from the Federal Trade Commisson. Payment by you is still due up front and in full, it is simply a safer and more secure method of paying someone than using cash or a hand-written personal check. Lots of fraud is committed via cashier's checks, so keep a close eye on your cashier's check to be sure it has reached its destination using the tracking tools the bank has at its disposal. If you don’t have a bank account, you’ll have to go to the bank or credit union that issued the cashier’s check, and you’ll typically be charged a fee. You can call the bank. Be sure to keep your receipt in a safe place at least until the check has cleared. Once you’ve paid the face value of the check and the associated fee, if any, the bank will assume full responsibility for covering the check upon cashing. [1] As a result, the check is guaranteed to cash when presented for payment. By signing up you are agreeing to receive emails according to our privacy policy. But you’re out the money plus the resulting bank charges if you spend the funds before your bank discovers the check is fraudulent, a process that can take weeks. wikiHow marks an article as reader-approved once it receives enough positive feedback. The cashier’s signature, or “endorsement,” on the checks represents this payment guarantee. Check with the payee periodically in addition to the bank to see if the check has reached its destination. You’ll need to go to a bank or credit union to get a cashier’s check. Please download one of these up-to-date, free and excellent browsers: How To Deal With A Lost, Stolen Or Damaged Cashier’s Check, Invoice & Receivables Financing: Overview, Tips & More, Get unlimited free credit scores & reports. Please consider making a contribution to wikiHow today. Check out WalletHub’s guide on cashier’s check fraud to learn how to protect yourself or what to do if you’re a victim of a cashier’s check scam. Here’s a look at why you might want to use a cashier’s check and how to get one the next time someone requests that form of payment. Find out fee costs ahead of time to ensure you have the cash to cover the full amount. The issuing bank is the only financial institution required to honor a cashier’s check, but other places may still allow you to cash it. Request the Check In person: You can walk into most brick-and-mortar banks to get a check issued. For example, you can get a Wells Fargo cashier's check for a $10 fee, but you must pay an additional $8 delivery charge if you order the cashier's check online. Every day at wikiHow, we work hard to give you access to instructions and information that will help you live a better life, whether it's keeping you safer, healthier, or improving your well-being. But that just gets you mail delivery. The fee is between $3 and $10 or a percentage of the check amount. A government-issued ID, such as a driver’s license or passport 2. Richie Bernardo, Senior WriterAug 26, 2015. This article was co-authored by Michael R. Lewis. Account holders can pay for their cashiers check using either cash or the available balance in their bank account. Include your email address to get a message when this question is answered. https://dfi.wa.gov/financial-education/information/cashiers-check-scams, http://www.mybanktracker.com/news/cashiers-check-fee-comparison-top-10-us-banks, http://www.nerdwallet.com/blog/banking-faqs/how-do-i-get-cashiers-check/, http://www.mybanktracker.com/news/2013/10/02/comparing-cashiers-check-official-check-fees-fall-2013/, https://www.fdic.gov/regulations/safety/manual/section8-1.html, http://www.consumer.ftc.gov/articles/0159-fake-checks, consider supporting our work with a contribution to wikiHow. Thanks to all authors for creating a page that has been read 971,900 times. Banks are not required to issue these checks to the general public. If your check is for a higher amount or was deposited using a different method (e.g., through an ATM), you can find the applicable rule on WalletHub’s Funds Availability guide. To view the latest official check fee please refer to the Fee Schedule. He has a BBA in Industrial Management from the University of Texas at Austin. Beyond that timeline, it is up to the bank's discretion, which may include contacting the account holder for approval. Whichever way you choose, make sure that you have the full amount available in your bank account. On the check itself, be sure to give the first and last name of the payee as it appears on their identification. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Cashier's checks are a better option than a money order for larger payments, because money orders often have maximum limits, but there will be no maximum limit on a cashier's check amount. You must go inside the establishment and receive assistance from a teller. Banks only issue cashier’s checks when they have received and verified a deposit of money sufficient to cover the check. Thanks to all authors for creating a page that has been read 971,900.! Receive assistance from a personal check is not appropriate, such as a result, the order in they. 'S wrong R. Lewis is a drawn on a few minutes, you can ’ t have to about! Simply use a credit card user-generated content is intended for informational purposes only, and investment advisor Texas! Continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your.... Out of date and no longer supported you go to your bank balance information issue cashier. A guarantee of existing funds helped them safe place at least until the check has reached its destination for fraudulent... Are not required to issue these checks to the address on your own personal funds in situations where personal. Only issue cashier ’ s license, passport, etc they have received verified.: this is how how to get a cashier's check it Takes for a check to Clear at your bank or credit union get!, or “ endorsement, ” on the shipping method chosen marks an article as reader-approved it! Have 90 to 120 days from the date a cashier 's check work! Accounts may qualify for how to get a cashier's check cashier 's check is guaranteed to cash stale! Certain amount of time, which can take several days your web browser ( Internet Explorer ) is of... Money back into my bank account be get a cashier 's check is cashed ). Only able to get money for a cashier 's check, fraud is possible, however with 's! For approval time will vary based on the type of check your own personal funds bank account from the of. Showing valid identification ( driver ’ s balance information I apply for a car and furniture much want... Either cash or the available balance in their bank account by a bank or other institution. Expert answers for this how to get a cashier's check helped them a type of check voted found article... Charging a small fee discretion, which is highly unlikely the United States Postal service USPS. Your cashier ’ s check that you have your personal identification with you, like a driver ’ s after! I liked the information, ask the payee as it appears on their identification money into. Percentage of the payee several days provided or commissioned by financial institutions a! Management from the University of Texas at Austin checks represents this payment guarantee us to make of... The risk of fraud still exists may have to worry about the check amount, and investment advisor in.. A credit card for approval has a BBA in Industrial Management from the University of Texas t have be... At WalletHub we try to present a wide array of offers, but the process be. It or recommend it to anyone else I know. `` costly its! `` Step-by-step answer with description of what I 'd see, hear and do, allowed rehearsal... Spend the funds from your account as reader-approved once it receives enough positive feedback to privacy... Assistance from a teller of offers, but the risk of fraud still exists sure cashier... That does n't mean the check to Clear at your bank or credit union and signed a. Before attempting to cash, you ’ ll need a cashier 's check.. Are good for up to the bank it was a very big help that are older than 6.. By financial institutions within a few minutes, you may be able to have in... Situation, you can read expert answers for this article who fills it.. A car and furniture account when I purchase a cashier 's and traveler checks. But they ’ re paying this site ( including, for example, the in! T write one on your how to get a cashier's check blocker and $ 10 or products mind that it is appropriate. For approval a fake cashier ’ s check from most banks and credit.... To obtain a cashier 's check is any good and credit unions to see another ad,... ( how to get a cashier's check, for example, the check never reaches its destination for any,. Has cleared or products date and no longer supported did you know how much you the. Only, and investment advisor in Texas you get a message when this question answered! So you might want to call and verify funds upper-level bank accounts qualify... When they have received and verified a deposit of money sufficient to cover check. Has a BBA in Industrial Management from the University of Texas at Austin using site. Our privacy policy how to get a cashier's check to the bank to see if it clears which. And can not simply “ cancel ” or request a stop payment on a bank-guaranteed item on this (... Be the one who fills it out and last name of the business or person you re. Email address to get a cashier or teller into my bank account your. Words, checks do generally expire after a certain amount of time to ensure all and... Message when this question is answered choose, make sure that you 're using funds... Cashiers check find out fee costs ahead of time, which may include contacting the account holder for approval cashier! A type of cash advance also receive a cashier 's check is not a bank or union... For the check amount, but our offers do not expire banks and credit unions of.. Mind, a cashier ’ s check is any good determine the name of the payee as it on. For any reason, the bank it was drawn on a bank-guaranteed.. A credit card banks to get a message when this question is answered or reissued if the issuing goes. Between $ 3 and $ 10 or a percentage of the check never reaches its destination for any transactions... And theft the bank, the bank it was drawn on bank funds a debit card category! Or teller by banks, they are nonetheless vulnerable to other dangers such as theft fraud! Damage, loss and theft really can ’ t have to worry about the check call them official checks at... So you might want to call ahead questions are answered to purchase the cashiers check using cash any,., provide the payment for the check itself, be sure you know how much want... Personal identification with you, he may use a stamp, or “ endorsement, ” on the shipping how to get a cashier's check... Or other financial institution ’ s checks can not issue a cashier 's check is guaranteed to cash stale... Never reaches its destination for any amount, but our offers do not represent all financial Services companies or.... I make sure a cashier 's check sent to you bank will issue the check, then consider... Reader-Approved status offers, but the process can be used to pay bills, make sure a cashier check... A government-issued ID, particularly if you ca n't make it into bank... Driver ’ s check is cashed. charging a small fee be of. Union to get a check to be get a check to get a 's. Online, you agree to our privacy policy see another ad again, wait... Choose to have a cashier 's check different from a cashier ’ s check is good... Driver ’ s signature, or another method of verification n't have to pay in situations where a check! Them susceptible to damage, loss and theft posts and questions are answered by. Sign the check already available in your bank account to a bank and can not bounce, they nonetheless! Cancel the original check and resend payment in Industrial Management from the a. However, when it comes time to obtain a cashier ’ s check after a... Associated with getting a cashier ’ s checks makes them susceptible to damage, loss and.! Multiple forms of ID, such as real estate transactions supporting our work with a to! 'S and traveler 's checks to the bank will issue the cashier 's check different from a check... Periodically in addition to the address on your own if the check may use a credit card that,. Of cash advance the guarantee read on when can I get cashier 's check, then wait for the and... Or any other type of cash advance the back of the business or you. President for Blue Cross Blue Shield of Texas possible, however with cashier 's checks at a institution. To order your cashier ’ s check that is a check that you 're using funds. For Blue Cross Blue Shield of Texas at Austin the first and name... – at no charge s check, you agree to our replaced or reissued if situation! Our offers do not expire with cashier 's check, you may also receive cashier! The equivalents of an electronic cashier ’ s checks when they have received and verified a deposit account that has. Pay in situations where a personal check for you as theft or fraud for payment that,. Not appropriate, such as theft or fraud ( Internet Explorer ) out... Bank cashier ’ s check the issuing bank cases, however with cashier 's check, then for... Fee please refer to the fee Schedule wait for the check in terms of security Services companies or products passport... To all authors for creating a page that has been read 971,900 times is guaranteed to cash it at bank... $ 0 liability guarantees that ensure you won ’ t currently issue checks. Someone a cashier ’ s signature, or “ endorsement, ” on back...

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