What type of endorsement consists only of the endorser's signature?

• A. Special Endorsement
• B. Blank Endorsement
• C. Restrictive Endorsement
• D. Conditional Endorsement

Answer: (B)

A blank endorsement consists solely of the endorser's signature without any additional instructions or conditions, making it a straightforward and commonly used method of endorsing a check. This type of endorsement allows anyone holding the check to cash or deposit it, as it effectively transfers ownership to whoever possesses it at that moment. It is simple and quick to execute, which is why it is commonly used by individuals when endorsing checks payable to them.

In contrast, a special endorsement specifies to whom the check is payable, and a restrictive endorsement adds conditions for how the check can be handled. A conditional endorsement includes conditions that must be met before the check can be cashed or transferred. These other forms of endorsement typically involve additional information or requirements that are not present in a blank endorsement.