What Is Notarization and When Do You Need It?
In plain English
Notarization is the official process in which a state-commissioned notary public verifies your identity, confirms you are signing a document willingly, and affixes their official seal and signature as a witness. It is required for many financial and legal documents including real estate deeds, powers of attorney, affidavits, and certain banking transactions.
What Documents Require Notarization?
Common documents that require notarization include real estate deeds and mortgage closings, powers of attorney, wills and trusts in some states, affidavits, vehicle title transfers, and certain international documents. Banks may require notarization for large transactions, beneficiary changes, or account ownership transfers. Requirements vary by state and institution.
Where Can You Get a Document Notarized?
Many banks and credit unions offer free notary services to their account holders. UPS stores, law offices, real estate offices, and some libraries also have notaries available. Mobile notary services will come to your location for an additional fee. Remote online notarization (RON) is now legal in most states, allowing you to get documents notarized via video call.
How Much Does Notarization Cost?
Fees vary by state, which sets maximum allowable charges. Most states cap fees at $2 to $15 per signature. Mobile notaries charge additional travel fees, often $50 to $150 depending on distance. Many banks provide free notarization to their customers. Remote online notarization typically costs $25 per session regardless of the number of signatures.
Frequently asked questions
Can I notarize a document myself?
No. A notary public cannot notarize their own signature or documents in which they have a personal interest. The notary must be a disinterested third party whose sole role is to verify identity and witness the signing.
What do I need to bring to a notarization appointment?
Bring the unsigned document (do not sign it beforehand), a valid government-issued photo ID such as a driver's license or passport, and any additional identification the notary may require. All signers must appear in person or via approved video for remote notarization.
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Related terms
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A banking power of attorney is a legal document that authorizes another person to manage your bank accounts and financial transactions on your behalf.
Trust Account
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Cashier's Check
A cashier's check is a check issued and guaranteed by a bank, drawn from the bank's own funds rather than your personal account.
Safe Deposit Box
A safe deposit box is a secure storage container inside a bank vault that you rent to store valuables, important documents, and irreplaceable items.