What type of endorsement allows the endorser to cash a check in the account of their choice?

The correct answer is that a general endorsement allows the endorser to cash a check in the account of their choice. A general endorsement occurs when the payee simply signs their name on the back of the check without placing any additional instructions. This makes the check transferable to anyone who holds it, and it can be deposited or cashed by the endorser at any bank.

In contrast, the other types of endorsements have specific restrictions. A special endorsement specifies a particular individual or entity to whom the check is made payable, which does not allow for flexibility in deposit options. A restricted endorsement includes specific instructions, such as "for deposit only," which limits how the check can be used. An open endorsement, while similar to a general endorsement, may imply the check can be cashed or transferred, but it is not as straightforward or clear as a general endorsement. Thus, a general endorsement provides the most freedom for the endorser to choose how and where to cash the check.