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Deposit Signature Card: Signature Line Style

On a Deposit Signature Card, we understand the account should be styled like the legal name of the customer. The signature line on the signature card is where the debate is. Should the customer sign the signature line on the signature card exactly as the account is styled (legal name) or should the customer sign the signature line like they plan to sign their checks (which could be any variation of the legal name)?

by Ken Golliher: Noting that your question is limited to the deposit side, so is the answer. The UCC says an individual's signature is whatever he wants it to be. Your customer should sign the signature card the way he intends to sign a check as, historically, the signature card is used as a source of verification that future items presented against the account are authorized.


by John Burnett: Ken Golliher could decide he wants to adopt an emoji as his signature. That's his privilege, so long as he's not using the signature fraudulently. You'd be correct to accept that signature as his on his account styled "Ken Golliher."

First published on 02/26/2017

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