In the event your signer is unable to sign their name for any number of reasons, a “signature by mark,” such as an “X,” may be used instead. Here’s what you need to know.
What is a signature by mark?
A signature by mark is an alternative to writing a full signature. The signer instead makes a mark (such as an “X”) or other symbols on the document. Under the laws of many states, a mark is considered a signature and is treated as such.
What are the rules for notarizing a signature by mark?
As will be clear in the discussion that follows, there are notable differences in how various states treat a signature by mark. It’s always important to consult your state’s laws and official guidelines before notarizing a signature by mark. In some cases, the requirements may appear outside your state’s Notary Public statute. For example, in California, the applicable provisions are found in Government Code Section 16, Civil Code Section 14, and Code of Civil Procedure Section 17(11). Pennsylvania’s provisions will be discussed further below.
The following information is not exhaustive but provides examples of how different state laws address signature by mark.
In some states, including Indiana, Maine and Texas, the Notary Public statute does not expressly differentiate between a signature and a mark. Unless other laws apply, the way a signer signs their name is immaterial and the signature, mark, or scrawl may be notarized without a Notary taking any additional steps. Arizona’s Notary Public Reference Manual states that a Notary may notarize a thumbprint or an ‘X’ mark as a ‘signature’ or ‘subscription’, even when the signer is able to write and is not disabled.
Many other states, however, require a Notary to take additional steps when notarizing a signature by mark. For example, North Carolina and South Carolina require the Notary to write, “Mark affixed by (name of signer by mark) in presence of undersigned notary” below the mark on the document. Massachusetts, Missouri, Nebraska, and Rhode Island also require the Notary to write specific information, including the names and addresses of witnesses. Pennsylvania recommends that the name of the individual and the words “his/her mark” are printed or typed below the signature line.
Montana law requires another individual to write the marker’s name near the mark in addition to signing the document.
Arkansas, California, Illinois, and Oklahoma (for real estate conveyed or encumbered specifically in Oklahoma’s case) limit the use of signatures by mark to persons who lack the ability to sign their name or who have a physical impairment or other condition that prevents it.
Massachusetts, North Carolina and Nebraska specify which notarial acts must be performed when notarizing a signature by mark (acknowledgments and jurats are universally identified, with other acts varying based upon each state’s laws).
Florida has statutory acknowledgment and jurat certificate forms Notaries must use when a notarizing a mark, while Illinois has a statutory acknowledgment certificate. Hawaii’s Notary Public Manual simply states the notarial certificate for a signature by mark should reflect that the individual signed with a mark. Presumably in this case, a Notary would need to add a statement to the certificate to indicate the signature by mark.
What are the witness requirements for notarizing a signature by mark?
Several states require one or more additional witnesses to be present when the mark is made. It is a common practice to have one of the witnesses print the signer’s name next to the mark on the document, and the witnesses may be required to sign the Notary’s journal entry.
Under Pennsylvania’s Statutory Construction Act (1 Pa.C.S. 1991), a “signature” includes a mark only if it is accompanied by the signer’s name and witnessed by another person who signs their own name. Additionally, other Pennsylvania statutes impose certain requirements for specific documents, including, but not limited to, a will, trust instrument and power of attorney:
- A testator signing a will by mark must do so in the presence of two witnesses, who must sign in the testator’s presence (20 Pa.C.S. 2502).
- A settlor may sign a trust instrument by mark or by direction through another person, following the same rules as powers of attorney (20 Pa.C.S. 7732).
- A principal’s mark on a power of attorney must be acknowledged before a Notary and witnessed by two adults who are not the agent, substitute signer, or Notary (20 Pa.C.S. 5601).
In Arizona and Montana, a single witness is required, but California, Illinois, Massachusetts, Missouri and Rhode Island require two.Arkansas requires at least one witness with no interest in the document.
Florida and Nebraska require two witnesses who must have no interest in the document being notarized.
North Dakota does not require witnesses, but the Secretary of State recommends having at least one present.
May a Notary witness a signature by mark?
Another question comes up: in the states that require a witness, can a Notary serve as a witness and also notarize the mark? Some states require the witnesses to have no interest in the document and others do not provide specific guidance on this issue. Unless your state specifically says Notaries may also act as a witness to a signature by mark, Notaries should not also serve as a signature by mark witnesses.
What about a signature stamp?
Many Notaries have asked if they can notarize a person’s stamped signature.
Indiana, Montana, New Hampshire and Oregon have statements in their Notary handbooks permitting Notaries to notarize a stamped signature used in place of a written signature.
Nevada law (NRS 427A.755) that allows the use of a signature stamp if the signer is unable to write due to a physical disability.
New York also has a statute that defines a signature as including a mark made by stamp (Gen. Constr L 46).
Minnesota allows Notaries to notarize a signature made by a stamp (MS 645, Subd. 14).
Looking beyond the Notary Public statute and rules
Remember, there may be other places in your state’s laws where the requirements for a signature by a mark may be found. In some cases, state Notary handbooks and not the laws themselves provide the rules. If after checking these sources you still have questions, ask a licensed attorney.
David Thun is the Editorial Manager at the National Notary Association.
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A guide for notarizing for physically impaired signers