What constitutes a blank endorsement?

A blank endorsement is defined as an endorsement that consists solely of the signature of the endorser, without any additional information or instructions. This type of endorsement allows the check to be transferred to others easily because it does not specify a particular payee. By simply signing the back of the check, the endorser effectively makes the check payable to whoever holds it, which can facilitate its negotiation.

In contrast, other types of endorsements may include specific instructions or names. For example, endorsements that specify a particular payee or include additional instructions for handling the check limit its negotiability compared to a blank endorsement. An electronic signature on a digital check also differs significantly, as it pertains to electronic transactions rather than traditional checks.