Answers about Endorsing Checks
My account requires two signatures to cash a check, but the bank cashed a check with only one signature. What can I do?
A checking account may be established with only one signature or with more than one signature on the signature card.
If only one signature is required, any one person may legally withdraw all the funds or close the account. If two or more individual signatures are required, but the bank cashes the check or closes the account without the proper number of signatures, the bank may be liable for the amount of the loss.
Contact the bank directly and notify them of the situation.