Answers about Endorsing Checks

I received a check payable to both my spouse and myself. Do both of us have to endorse (sign the back of) the check?

If a check is issued to John and Jane Doe, the check is payable to all payees. It must be endorsed and negotiated by all of them.

If a check is issued to John or Jane Doe, the check is payable to each payee. It may be endorsed and negotiated by any or all of them.

If the check is unclear as to whether it is payable to both payees or just one payee—such as being payable to John and/or Jane Doe—then the check is payable to each payee. It may be endorsed and negotiated by any or all of them.