When a check is endorsed as Blank and deposited, what must be included?

When a check is endorsed as Blank and deposited, what must be included?

• A. the IBC account number
• B. the T-bar next to Maker's information
• C. the payee's signature only
• D. For Deposit Only stamp on the back

Answer: (A)

With a blank endorsement, the check becomes bearer paper that anyone can present, so the bank must have a way to know which account to credit. Including the IBC account number on the back provides a precise identifier for the deposit, ensuring the funds go to the intended account and reducing the risk of mis-credit or fraud. The other options don’t reliably route the funds: the T-bar next to Maker’s information isn’t a standard deposit requirement; the payee’s signature alone doesn’t specify an account; and while a For Deposit Only stamp restricts use, it isn’t the mandated information needed to credit the correct IBC account in a blank endorsement scenario.

With a blank endorsement, the check becomes bearer paper that anyone can present, so the bank must have a way to know which account to credit. Including the IBC account number on the back provides a precise identifier for the deposit, ensuring the funds go to the intended account and reducing the risk of mis-credit or fraud.

The other options don’t reliably route the funds: the T-bar next to Maker’s information isn’t a standard deposit requirement; the payee’s signature alone doesn’t specify an account; and while a For Deposit Only stamp restricts use, it isn’t the mandated information needed to credit the correct IBC account in a blank endorsement scenario.