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take our lead lets help you make your mark our goal is your satisfaction let us show you the way 4 answers its theoretically possible but pretty unlikely that youll be successful if the check is very big this would be done by having the payee endorse the check sign the back and below that right pay to the order of john smith and then john smith can endorse and then cash or deposit the cheque make your mark take our lead when should you endorse a check dont endorse a check with just your signature and no further instructions until youre ready to cash or deposit it a check thats endorsed this way becomes negotiable which means it can be cashed or deposited by anyone who presents it to the bank even if that person isnt the payee take our lead if you have a joint account the co-owner can cash your refund check on your behalf most banks will allow this if both parties sign the check if you are unavailable to sign its possible for your account co-owner to deposit the check into the