Mikah2K, When one endorses a check or other commercial paper, they become a surety in the chain of the instrument, lending their credit to the instrument. Now, I don't know what that endorsement means, but it may mean that the payee (or depositor) stamps that on there to alleviate a named person from being liable in that chain. It would be good to check the UCC for your state to see if the words Endorsement Guaranteed come up. Henry Franklin