Can you pre endorse a check before putting in the mail

In the United States, the answer is generally no, you cannot pre-endorse a check before putting it in the mail. Here's why:

  1. Federal Reserve Regulation CC: The Federal Reserve Regulation CC (12 CFR 229.12) states that a check is not considered "negotiable" until it is physically delivered to the payee or their agent. This means that a check cannot be endorsed before it is received by the payee.
  2. Check Endorsement: Check endorsement is the process of signing the back of a check to transfer ownership and allow the payee to deposit the funds. The endorsement must be made in the presence of the payee or their agent, and it must be done after the check has been received.
  3. Mailability: The USPS (United States Postal Service) has specific regulations regarding the mailing of checks. According to USPS Publication 52, "Hazardous, Restricted, and Perishable Mail," checks are considered "hazardous" and must be mailed in a secure envelope or package to prevent loss or theft.

However, there are some exceptions and alternatives:

  1. Electronic Checks: Some banks and financial institutions offer electronic check services, which allow you to transfer funds electronically without physically mailing a check.
  2. Pre-Authorized Checks: Some businesses may accept pre-authorized checks, which are checks that have been pre-authorized by the payee and are mailed to the payee in advance. These checks are typically used for recurring payments, such as subscription services.
  3. Check Deposit Services: Some banks and financial institutions offer check deposit services, which allow you to deposit checks remotely using mobile banking apps or online banking platforms.

In summary, while you cannot pre-endorse a check before putting it in the mail, there are alternative methods for transferring funds electronically or using pre-authorized checks for specific purposes.