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What Is a Notary Public? What They Do and When You Need One

What Is a Notary Public? What They Do and When You Need One

A notary public is an official appointed by a state government to help prevent fraud when important documents are signed. A notary doesn't check whether a document is fair or legally correct. Their job is to confirm that the people signing are who they say they are, and that they're signing willingly.

What a notary actually does

When you bring a document to a notary, they will typically:

  • Check your identity using a current government-issued photo ID, such as a driver's license or passport.
  • Make sure you understand what you're signing and aren't being pressured.
  • Watch you sign, or have you confirm that the signature already on the document is yours.
  • Complete a notarial certificate, sign it, and apply their official seal or stamp.
  • Record the notarization in a journal, where their state requires one.

The most common notarial acts

  • Acknowledgment: you confirm to the notary that you signed the document voluntarily. Common for deeds and powers of attorney.
  • Jurat: you swear or affirm that the contents of a document are true, then sign in front of the notary. Common for affidavits.
  • Oath or affirmation: a spoken promise that a statement is true.
  • Copy certification: some states let notaries certify that a copy matches the original.

What a notary can't do

Unless they are also a licensed attorney, a notary can't give legal advice, explain what a document means for you, or help you choose which form to use. A notary also can't notarize a document if they have a personal interest in it, and many states bar notarizing for close family members.

Types of notaries

  • Traditional notary: you visit them at a bank, shipping store or office.
  • Mobile notary: they travel to your home, office, hospital or care facility.
  • Remote online notary (RON): you meet by live video, in states that authorize remote notarization.
  • Loan signing agent: a notary trained to handle mortgage and refinance closing packages.

What to bring

Bring the complete, unsigned document (unless the notary tells you otherwise), a valid photo ID, and any other signers or witnesses the document requires.

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