Verified Answer :

if you write "pay to the order of Jane doe" , it means that your check is considered : A special endorsement

Special endorsement is made specially for deposit type of transaction. even though the name may not be specified, usually there is a limited amount of deposit that could be done with this type of endorsement 

hope this helps

It is considered a restrictive endorsement because you’re specifically pointing
out Jane Doe.

 

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