For a check payable to two parties with 'and,' what endorsement is required?

• A. Both named payees must endorse and include both T-bars or account numbers
• B. Only one endorsement is needed
• C. The bank endorses
• D. Endorsement not required

Answer: (A)

When a check is payable to two people using “and,” both individuals are joint payees, so both must authorize the transfer of funds. That means each payee signs the back of the check. Banks often require that both endorsements be present and may also ask to include each endorser’s account number or use a T-bar mark to clearly link the endorsement to the correct accounts and prevent misrouting. This setup ensures no one can cash the check with a single signature and that the funds are credited to the intended accounts. The other options aren’t correct because a single endorsement isn’t enough for jointly payable checks, the bank doesn’t automatically endorse on your behalf, and endorsement is required to negotiate the check.