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Originally Posted by NHunter
You dont know what u talking about so please...
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American banks generally expect the check to be endorsed or to have a stamp such as "For deposit only". It's possible your bank might have taken care of it for you before or else Ztod's bank let it go previous times. But clearly checks can be returned for lack of endorsement when dealing with U.S. Banks.
http://www.ehow.com/info_8016675_cau...ed-checks.html
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Missing Endorsement
You can have a check returned to you because the depositor forgot to endorse it prior to sending it to his bank for deposit. The endorsement goes on the back of a check and is necessary in order to complete the transaction. A missing endorsement will delay the transaction as the check will be mailed back to the original account holder -- you. Your job will be to resend the check to the depositor with a request for him to endorse the check.
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There are similar gray areas with lack of a signature from the sponsor. Sometimes it can slip through and the sponsor's bank will honor it for whatever reason but officially they can choose not to honor it if they wish.
It's not Ztod's fault in this case if you or your bank forgot to endorse the check and that was the reason for it being dishonored. That's not to say they still don't have an obligation to pay out on the check ultimately.