How long do we as a bank need to give a customer to get back with us on an endorsement. The check was 2 party with "and" but the teller got only one endorsement. Please help!

Generally, the customer does not have an obligation to review endorsements. My answer is that it would be the general statute of limitations under the UCC, three years. Am I correct in assuming that it was drawn on your bank and cashed by your teller?

Although you might be able to impose a "short" review time on customers for things the customer can control -- signature, amount, etc. -- you have no control over a third party (the payees on this check).

The damaged payee has the three year (most states) statute of limitations within which to bring the missing endorsement to the attention of the drawer, and the drawer then pursues with the drawee bank, which chases the collecting banks, etc., until the payee who actually obtained the money (it is hoped) is left to pay up.

If, as Ken asked above, this is an on-us check cashed by your teller, the trip from your bank to the depository bank is a short one, indeed. You will be the liable party that will have to reimburse the joint payee that was edged out here. You don't have a deposit account to charge it back to (you cashed it), so I'll guess that you will have a rough time trying to collect from the person who actually received the funds.

Thanks to you both for your quick response.