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How to Become a Notary

Becoming a notary follows one general path in most states: meet eligibility, complete any required education or exam, get a surety bond where required, file your application and fee with your Secretary of State, then receive your commission — optionally adding a remote online commission. Requirements, fees, and bonds vary by state, so always confirm with your Secretary of State. Once you are commissioned and RON-authorized, see how the platform works for notaries for what joining USA Notary involves.

Last updated: August 13, 2026 · By Andrew Ray Yon, MBA, ChFC — CEO & Founder, USA Notary

5 Steps to Become a Notary (Most States)

The process below applies in most states. Exact eligibility rules, education, bond amounts, and fees are set by each state — treat these as the general shape, then confirm the details with your own Secretary of State (or commissioning authority).

  1. 1

    Meet your state's eligibility

    Most states require you to be a legal resident of (or employed in) the state, at least 18 years old, and free of disqualifying criminal convictions. Confirm the exact eligibility rules where you live.

  2. 2

    Complete any required education or exam

    Some states require a state-approved training course, a written exam, or both before you can be commissioned. Others have no education requirement at all. Check whether your state mandates a course or test.

  3. 3

    Get a surety bond where required

    Many states require a surety bond that protects the public before they will issue a commission; the required amount varies and some states require none. A bond is separate from optional errors-and-omissions (E&O) insurance, which protects you.

  4. 4

    File your application and fee

    Submit your notary application — usually with proof of any bond and completed education — to your Secretary of State or commissioning authority, and pay the state filing fee. Filing fees are set by each state.

  5. 5

    Receive your commission (then optionally go remote)

    Once approved, you receive your commission and can order your seal and journal to begin notarizing. Where your state allows it, you can then register as an online (remote) notary to notarize over live video.

The notary application itself is usually the easy part — a short form filed with your commissioning authority. What varies is everything around it: whether a course or exam comes first, whether a bond must be purchased and filed, and how long the state takes to process approvals. The sections below break down how those pieces differ, how long the whole process takes, and what it costs.

Notary Commission Requirements: How Much States Differ

Notary commission requirements are set entirely at the state level — there is no national notary license. Every state requires you to be at least 18 and connected to the state by residence (or, in many states, by employment there), but from that point the paths diverge sharply. Some states commission you with nothing more than an application and a small fee; others require a course, a proctored exam, a surety bond, and county-level filings before you can notarize a single signature.

Education and exams illustrate the spread. California requires a six-hour approved course plus a written exam, and Illinois has required a course and exam since January 1, 2024 — while Michigan and South Carolina require neither a course nor an exam. Surety bonds range just as widely: New York and South Carolina require no bond at all, Florida requires $7,500, California $15,000, and Louisiana requires non-attorney applicants to post a $50,000 bond. Even the commission you receive differs — most states issue four-year terms, but South Carolina issues ten-year commissions and Louisiana's never expire.

Non-residents are a common edge case: several states will commission you if you work in the state even though you live elsewhere, sometimes on a shorter term — Illinois issues one-year commissions to non-residents (versus four years for residents), and Iowa gives qualifying non-residents employed in the state a one-year term. If you live near a state line, check both states' guides before choosing where to apply.

State State filing fee Surety bond Course / exam Term
Texas $21 $10,000 Course required (SB 693) 4 years
Florida $39 $7,500 3-hour course; no exam 4 years
California $40 (+ county fee) $15,000 6-hour course + exam 4 years
New York $60 (+ $15 exam) None No course; proctored exam 4 years
Ohio $15 None 3-hour course + exam (non-attorneys) 5 years
Illinois $15 $5,000 Course + exam (since 2024) 4 years (1 yr non-resident)
Michigan $10 (+ county fee) $10,000 No course, no exam 6–7 years
Louisiana ≈$200 total $50,000 (non-attorney) Rigorous proctored exam Lifetime
South Carolina $25 None No course, no exam 10 years

Figures from our verified state guides, each sourced to that state's official notary authority — follow the state links above for full details, current sources, and the remote-online rules in each state.

One distinction worth pinning down early: your state's commission requirements (this section) are separate from the requirements to take paid online signings on USA Notary, which apply after you're commissioned. The state decides whether you can notarize; the platform requirements decide whether you're set up to earn from remote signings.

How Much It Costs — and How Long It Takes

The cost to become a notary is the sum of a handful of line items, and which ones apply depends on your state. Across our 50 verified state guides, the state filing fee alone runs from $10 (Michigan, Colorado, Kentucky) to $120 (Minnesota, Connecticut). The National Notary Association estimates $100 to $600 all-in once training, bond, and supplies are counted. Budget for these:

  1. State filing fee — fixed by your state; the only cost every applicant pays.
  2. Surety bond premium — only in bond states; you pay a premium, not the face amount of the bond.
  3. Course and/or exam fees — only where your state mandates education or testing.
  4. Seal (stamp) and journal — purchased from a supplier after your commission is issued.
  5. Errors-and-omissions (E&O) insurance — optional in most states, but it protects you rather than the public.
  6. Online notary registration — an optional add-on fee where your state offers remote online notarization.

Timing follows the same pattern: states with no course or exam can commission you in days to a few weeks, while course-and-exam states take longer. The NNA puts typical processing at four to 10 weeks after you submit your application.

For deeper breakdowns, see our guides on what it costs to become a notary and how long becoming a notary takes — both walk through the variables state by state.

RON Training and Certification: What States Actually Require

Remote online notary training is the step where new notaries get oversold most often, because "online notary certification" is not a certificate anyone can sell you — it is a state authorization layered on top of your base commission. Texas law defines an online notary public as "a notary public who has been authorized by the secretary of state to perform online notarizations" (Tex. Gov't Code § 406.101), and Florida registers online notaries through its Department of State (Fla. Stat. § 117.225). A training course or a platform's "RON certification" badge can prepare you for that grant — and sometimes satisfies one requirement inside it — but only the notary's commissioning state authorizes the act.

State RON requirements come in four types, and each state mixes them differently. The examples below were re-verified against each state's official source on August 13, 2026:

Requirement type What it involves Verified state example
RON-specific course A course on online notarization itself, on top of any base-commission education Florida: a classroom or online course "covering the duties, obligations, and technology requirements for serving as an online notary public" (§ 117.225(2)). Ohio: 2 hours of approved education for RON authorization
RON exam A test through a state-authorized provider, separate from any base-commission exam Ohio: education plus a required test for the online-authorization application — a $250 fee paid directly to the state-authorized provider
Technology registration Telling the state which approved technology you will use, or certifying you will meet its standards Florida: identify the RON service provider(s) you intend to use (§ 117.225(5)). Texas: certify you will comply with the Secretary of State's online notarization standards (§ 406.105)
Bond / E&O uplift A larger bond or mandatory errors-and-omissions coverage tied to the online registration Florida: a $25,000 bond plus an errors-and-omissions policy of at least $25,000 (§ 117.225(6)–(7))

Not every state uses every type — Texas, for example, requires no RON-specific course or exam at all: the online appointment rides on the base commission's qualification requirements plus an application, a fee, and the technology certification. For the full per-state path, our Florida guide walks through the complete RON registration and the Texas guide covers the online notary application step by step.

What a RON course teaches and what the state tests are the same material: the law side. Florida's statute pins the syllabus — duties, obligations, and technology requirements — and Ohio's education-and-testing requirement exists so that, in the Secretary of State's words, "every notary understands their legal duties, ethical responsibilities, and the correct procedures." No state exam covers any particular vendor's software. Learning a specific platform's workflow is onboarding the platform itself provides after you join — so before paying for anything labeled "certification," check whether your state requires a course at all, and compare the RON platforms notaries can actually work on separately from the training question.

Sequence it in that order — commission, state RON grant, then platform — and the training decision gets cheap: you buy only what your state names. Once your RON registration is active, USA Notary assigns paid signing sessions to member notaries; review what you need in place before taking sessions and the membership tiers and per-session fees when you reach that step.

Choose Your State

Notary requirements are set state by state — eligibility, education, exams, bonds, fees, terms, and remote-online-notary rules all differ. Pick your state below for a step-by-step guide built from that state's official notary authority. All 50 states are covered.

Notary Seal, Journal, and Supplies

Your notary seal (also called a notary stamp) is the working tool of the commission — it marks each notarial certificate with your name, commission details, and state, exactly as they appear on your commission. Order it only after your commission is issued, so the details match. Most suppliers sell seals bundled with the other item you'll use daily: the journal.

The notary journal is your record of every notarial act — who signed, what document, what ID was presented, and when. Some states require a journal by law; even where it's optional, keeping one is the standard protection if a notarization you performed is ever challenged. You'll also work with notarial certificates — the wording you complete and attach to each document, which differs by act (an acknowledgment and a jurat are not interchangeable).

One purchase decision trips up many new notaries: the surety bond your state may require protects the public from your mistakes — it does not protect you. Errors-and-omissions (E&O) insurance is the optional policy that covers you personally. Our guide to the difference between a notary bond and E&O insurance explains when each applies.

Traditional Commission vs. Remote Online Notary

A traditional commission authorizes in-person notarizations; a remote online notary (RON) authorization lets you notarize for a signer who appears on live video instead. Per the National Association of Secretaries of State, 47 states and the District of Columbia now have laws allowing remote e-notarization — but in nearly every state, RON is an add-on registration you complete after you hold a traditional commission, not a separate way in.

Traditional notary Remote online notary (RON)
How the signer appears Physically present before you Appears on live video (audio-video technology)
Authorization Your state commission Commission + separate state RON registration (where offered)
Typical extras Seal, journal, bond where required Approved technology provider, digital certificate; some states add bond/E&O or training
Who you can serve Signers who come to you (or you travel to) Signers anywhere — you notarize under your own state's law
Earning shape Per-act fees capped by your state Online sessions without travel time — volume replaces mileage

The demand side is why RON matters for new notaries: on USA Notary, remote notarization is available to signers in all 50 states, 24/7, at $25 per document — and those sessions are performed by commissioned online notaries. If you're weighing whether the whole path can be done from home, our guide on whether you can become a notary online separates the online application steps from the in-person ones, and our remote online notarization overview explains how a RON session actually runs.

Become a Remote Online Notary

Getting commissioned is just the start. Where your state allows it, you can add a remote online notarization (RON) commission and notarize for signers who appear over live video — then earn from paid, assigned online signings through USA Notary.

1. Commission first, then go remote

Most states expect you to hold a traditional notary commission before you register as an online notary. Complete your state's RON registration and technology setup once you're commissioned.

2. Meet the platform requirements

Review the requirements to join our platform so you're ready to accept online signings as soon as your commission is active.

3. Turn your commission into income

See how notaries earn on USA Notary — from per-signing pay to steady assigned remote work.

What You Can Do Once You're Commissioned

A commission opens three working paths, and most active notaries combine them. General notary work — acknowledgments, jurats, oaths for walk-in and local clients — pays the per-act fees your state caps. It's the simplest path, and for many notaries it stays a side income attached to a day job.

Loan signing is the second path: guiding borrowers through mortgage and refinance document packages for title and escrow companies. It layers specialized knowledge on top of your commission — see what a loan signing agent does and how to become one before investing in certification, since real-estate volume drives the demand.

Remote online signings are the third path — and the one that removes geography from the equation entirely. Where your state offers RON, you can put your commission to work as a remote online notary on USA Notary, which pairs assigned, paid online signings with SharpNote tools for running your own client book. Platform access is a paid membership (Basic $19.95, Pro $29.95, or Elite $49.95 per month, with per-session fees of $12, $10, or $8 by tier), so it makes the most sense once your RON registration is active and you're ready to take sessions.

Common Mistakes When Applying (and How to Avoid Them)

Most notary applications that stall or get rejected fail on process, not eligibility. These are the recurring ones:

  1. 1. Following another state's checklist. Notary commission requirements are per-state — a Florida checklist is wrong in California on the course, the exam, the bond amount, and the fee. Start from your own state's guide.

  2. 2. Confusing the surety bond with insurance. The bond protects the public and pays claims against you; E&O insurance protects you. Buying only the bond leaves you personally exposed to claims.

  3. 3. Ordering the seal too early. Your seal must match your commission exactly — name, state, and commission details. Wait for the commission certificate before ordering supplies.

  4. 4. Missing a post-approval filing deadline. Some states start a clock the moment you're appointed — California requires your oath and bond filed with the county clerk within 30 calendar days, and Pennsylvania requires the bond executed within 45 days of appointment. Missing the window can void the appointment.

  5. 5. Letting the commission lapse. Renewal is your responsibility, and some states make you repeat the course or exam if you let it expire. Calendar the expiration date the day your commission arrives — our notary renewal guide covers the timing state by state.

  6. 6. Assuming RON authority comes with the commission. In nearly every state, remote online notarization is a separate registration with its own technology, certificate, and sometimes bond requirements. Budget it as a second, smaller application.

Ready to Put Your Commission to Work?

Once you're a commissioned (and, where offered, online) notary, join USA Notary to receive assigned, paid remote signings. Getting commissioned is step one — earning is what comes next.

Join USA Notary as a notary

Frequently Asked Questions

Do all states require the same things to become a notary?

No. Eligibility, training, exams, surety bonds, fees, and commission terms are set at the state level and differ widely. Some states require a course or exam while others do not, and bond requirements range from none to several thousand dollars. Always confirm the current rules with your own Secretary of State or commissioning authority.

Do you need a surety bond to become a notary?

It depends on your state. Many states require notaries to post a surety bond that protects the public, but the required amount varies and some states do not require one at all. A surety bond is not the same as errors-and-omissions (E&O) insurance, which protects you personally and is usually optional.

How long does a notary commission last?

Commission terms are set by each state and commonly run four years, though some states use shorter or longer terms. Across our 50 verified state guides, terms range from two years in Delaware and Vermont to ten years in Arkansas and South Carolina — and Louisiana commissions are issued for life. You must renew before your commission expires to keep notarizing.

How much does it cost to become a notary?

The total depends on your state. State filing fees across our 50 verified guides range from $10 (Michigan, Colorado, Kentucky) to $120 (Minnesota, Connecticut), and on top of that you may pay for a surety bond premium, a training course or exam, and your seal and journal. States with no bond, course, or exam are the cheapest; states requiring all three cost the most.

Do all states allow remote online notarization?

Most U.S. states have enacted permanent remote online notarization (RON) laws, but the specifics — approved technology, registration steps, and whether you must first hold a traditional commission — differ by state. A few states still restrict or are phasing in RON. Confirm your state's current RON rules with your Secretary of State before registering.

Can you become a notary online?

In many states you can complete the application, education, and even the exam online — but the commission itself is always issued by your state, and a few states still require in-person steps like filing your oath with a county clerk. Becoming an online (remote) notary is a separate registration you add after you hold a traditional commission, where your state offers it.

Can you make money as a notary?

Yes. Beyond the per-notarization fees set by your state, many notaries add income through loan-signing work and remote online notarization. Once you're commissioned — and set up as an online notary where your state offers it — you can join USA Notary to receive assigned, paid online signings.

How do I become an online (remote) notary?

First become a commissioned notary in your state, then complete your state's remote online notarization registration if it offers one — which may include choosing an approved technology provider and obtaining a digital certificate. Requirements vary by state, so follow your Secretary of State's process. Texas is one example covered in our state guide.

Is an "online notary certification" course the same as being authorized for RON?

No. Completing a course can satisfy one requirement inside your state's registration, but the authorization itself comes only from the state. Florida registers online notaries through its Department of State, and Texas law defines an online notary as one "authorized by the secretary of state" — no vendor course or platform badge can substitute for that grant.

Do you need special training to become a remote online notary?

It depends on the state. Ohio requires two hours of approved RON education plus a test through a state-authorized provider; Florida requires certifying you completed a course on the duties, obligations, and technology requirements of online notarization; Texas requires no RON-specific course or exam — just an application, a fee, and a certification that you will follow the state's technology standards. Check your own state's rules before paying for training.

What does remote online notary training actually cover?

State-approved RON courses cover the legal side of notarizing over video: identity proofing and credential analysis, recording and electronic-journal duties, and your obligations as an online notary — Florida's statute describes the course as covering the duties, obligations, and technology requirements of serving online. Learning any specific platform's software is separate onboarding the platform provides after you join; states do not test it.

AY

About the author

Andrew Ray Yon, MBA, ChFC

CEO & Founder, USA Notary Services LLC

Andrew Ray Yon is the founder and CEO of USA Notary Services LLC and the architect of the SharpNote remote online notarization platform. A Certified Notary Signing Agent since 2005, he has handled mortgage and title loan signings for two decades — personally completing more than 10,000 notarizations — and holds an MBA and the ChFC (Chartered Financial Consultant) designation. Based in Virginia’s Greater Richmond region, he leads the company’s strategy, compliance, and platform development.

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This guide describes the general process and is for information only — it is not legal advice and does not cover every state's rules. Notary requirements, fees, and bonds are set by each state and can change. Always confirm current requirements with your own Secretary of State (or commissioning authority) before applying.