Tips for depositing your government-issued stimulus or tax refund check.

February 10th, 2021 by Catherine James

Government-issued checks require special care when being deposited into a credit union account. Please follow these important instructions to ensure a successful deposit.

  • Government-issued checks require all payees listed to endorse the check by signing each of their names on the back of the check. 
  • If you receive a check made out to you and a joint filer, be sure to endorse the check with both of your names and deposit it into an account you hold jointly. Checks from the government written to two parties can’t be deposited into a single owner’s account.
  • When depositing a government-issued check using Mobile Deposit, please have each payee endorse the check and write “For GFCU Mobile Deposit Only” below the signature(s), otherwise, your mobile deposit will be delayed until this is corrected.


Example endorsements

Endorsement of a check made to a single payee:

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Endorsement of a check made to multiple payees:

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Endorsement of any check being deposited via Mobile Deposit: