What is a notary, and when do I actually need one?
Not a lawyer. Not scary. Just a very official witness.
Time
10 to 15 minutes
Cost
$0 to $25 typically
DIY?
Fully DIY, you just need the notary present
Urgency
Only when a document requires it
What's probably happening
A notary public is a state-authorized official who verifies your identity and watches you sign a document, then stamps and signs it themselves. It proves the signature is really yours and wasn't forged or coerced.
How urgent is it
You only need one when a specific document requires notarization, things like power of attorney forms, some real estate documents, and certain affidavits. Most everyday paperwork doesn't need it.
What to do first
Check whether the document actually says it needs to be notarized, look for a signature block labeled for a notary, or ask whoever gave you the form.
Can I handle this myself
Many banks offer free notary services to account holders. UPS Stores, some libraries, and shipping stores also offer it for a small fee. Bring a government-issued photo ID and do not sign the document beforehand, you need to sign in front of the notary.
When to call a professional
For high-stakes documents like estate planning or real estate closings, a mobile notary or the closing attorney's office typically handles it as part of the process.
What it might cost
Many banks do it free for customers. Standalone notary services typically charge a small per-signature fee, often capped by state law.
What to gather first
A valid government-issued photo ID and the unsigned document.
Mistakes to avoid
Signing the document before you get to the notary, that invalidates the notarization and you'll have to start over with a fresh copy.
General educational information, not individualized tax, legal, or financial advice for your situation.
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