Ky. Rev. Stat. » Chapter 355
Kentucky Revised Statutes

Ky. Rev. Stat. § 355.3-204 (2026)

Indorsement

✓ current as of May 2026
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(1) "Indorsement" means a signature, other than that of a signer as maker, drawer, or acceptor, that alone or accompanied by other words is made on an instrument for the purpose of:

(a) Negotiating the instrument;

(b) Restricting payment of the instrument; or

(c) Incurring indorser's liability on the instrument, but regardless of the intent of the signer, a signature and its accompanying words is an indorsement unless the accompanying words, terms of the instrument, place of the signature, or other circumstances unambiguously indicate that the signature was made for a purpose other than indorsement. For the purpose of determining whether a signature is made on an instrument, a paper affixed to the instrument is a part of the instrument.

(2) "Indorser" means a person who makes an indorsement.

(3) For the purpose of determining whether the transferee of an instrument is a holder, an indorsement that transfers a security interest in the instrument is effective as an unqualified indorsement of the instrument.

(4) If an instrument is payable to a holder under a name that is not the name of the holder, indorsement may be made by the holder in the name stated in the instrument or in the holder's name or both, but signature in both names may be required by a person paying or taking the instrument for value or collection. Effective: January 1, 1997 History: Repealed and reenacted 1996 Ky. Acts ch. 130, sec. 23, effective January 1, 1997. -- Created 1958 Ky. Acts ch. 77, sec. 3-204, effective July 1, 1960.

Notes of Decisions
Cited in 2 cases, 2000–2012 · leading case: First Commonwealth Bank of Prestonsburg v. West, 55 S.W.3d 829 (Ky. Ct. App. 2000).
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First Commonwealth Bank of Prestonsburg v. West, 55 S.W.3d 829 (Ky. Ct. App. 2000). · cites it 2× “Under KRS 355.3-204, an “indorser” is one who makes an indorsement.”
Kentucky Bar Ass'n v. Dixon, 373 S.W.3d 444 (Ky. 2012). “” KRS 355.3-204(1). . KRS 355.3-205(2). . "If a person acting, or purporting to act, as a representative signs an instrument by signing either the name of the represented person or the name of the signer, the represented person is bound by the signature.”
— Ky. Rev. Stat. § 355.3-204(1) — 1 case
Kentucky Bar Ass'n v. Dixon, 373 S.W.3d 444 (Ky. 2012). “” KRS 355.3-204(1). . KRS 355.3-205(2). . "If a person acting, or purporting to act, as a representative signs an instrument by signing either the name of the represented person or the name of the signer, the represented person is bound by the signature.”
— Ky. Rev. Stat. § 355.3-204(l) — 1 case
First Commonwealth Bank of Prestonsburg v. West, 55 S.W.3d 829 (Ky. Ct. App. 2000). “Under KRS 355.3-204, an “indorser” is one who makes an indorsement.”
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