scope:

This standard provides the location for all physical check endorsements and electronic endorsement overlays applied to check images.

This standard specifies the parameters for the background and design elements on the back of the check and the placement and data content of endorsements.

This standard is not intended to apply to the format of electronic endorsement records, as defined within check image exchange standards (X9.100-187), the creation of substitute checks (X9.100-140) or endorsements on the front of the physical check or its image.

For more information on electronic endorsements, refer to Check Image Central for guidance.

Note that in certain legal references, the term indorsement(s) is used instead of endorsement(s), for purposes of this standard, only the term endorsement is used.