Jul 14

Legal Issues of Checks

Registration Options & Pricing

Please select your membership status.

On-Demand Access Includes:

  • Unlimited Access to Webinar Recording
  • Can be viewed anytime 24/7, beginning 2 business days after the webinar
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your credit union
  • Presenter’s contact info for follow-up

This is a 90-minute webinar.

9:00 am – 10:30 am HST
12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

Although use is declining, checks are still a source of risk for every financial institution. Endorsements can be complicated and thorny. Do you know how to handle transactions for minors, deceased accountholders, businesses, powers of attorney, and trusts? This must-attend session will give you more confidence and provide a thorough understanding of endorsement legalities.


  • Which person is entitled to endorse the check?
  • What is a valid endorsement?
  • Bearer versus order checks
  • Who holds the check and what is the holder in due course?
  • Ambiguous endorsements
  • Endorsements for minors, deceased parties, and business accounts
  • Witnessed endorsements
  • Check cashing issues for business accounts
  • Endorsements on income tax checks
  • Trustee and power of attorney endorsements
  • The simplest rule about checks that will save your institution thousands of dollars
  • The connections between checks and account agreements (if you have not signed the signature card, you cannot get the money)
  • Postdated, stale-dated, erasures, alterations, and more lessons about checks
  • Why you need to know about the negligence rule and the account statement rule
  • Should we check endorsements and send them back as "missing"?
  • Treasury checks, postal money orders, and other special checks
  • Why we absolutely do not give cash back, cash, or deposit checks made payable to a business into a personal account


Understanding endorsements and proper check handling are crucial to making sound check-cashing decisions. A check is a unique type of contract where ownership can be transferred by the endorsement on the back. This webinar will explain who has the right to endorse the back of a check and proper endorsement placement. You’ll learn what happens if a check is not endorsed properly; when it’s best not to accept the check at all due to missing or problem endorsements; why business checks are not put into personal accounts; and why cash is not given on business accounts. Many tricky issues will be addressed, including deceased accountholders, business accounts, endorsements for minors, income tax check endorsements, trustee endorsements, and endorsements by powers of attorney. Learn how to safely handle checks and ensure that you and your financial institution will be protected from loss on negotiable instruments.

Attendance certificate provided to self-report CE credits.


This informative session is for tellers, head tellers, managers, branch operations staff, bookkeeping staff, compliance officers who approve checks, and deposit representatives who work with checks and accounts.


  • Teller handbook (over 600 pages)
  • Employee training log
  • Interactive quiz


"2021 New Accounts Series"


NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.


Gettechnical Inc.
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