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I need to download a banking form and email it back.

After opening the PDF in macOS Preview, I attempt to sign it via Tools > Annotate > Signature

This gives the error:

Without the owner password, you do not have permission to create or modify annotations in the document.

Without the owner password, you do not have permission to create or modify annotations in the document.

Enter the password to unlock annotation of the document.

How can I sign this PDF document?

Adding an annotation seems like it should be controlled by the client, not the document itself. Can I force Preview to add an annotation?

Can I somehow create an unlocked read/write copy of the document without this signature protection?

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The PDF has been 'secured' with a password by the bank. If you click on Tools > Show Inspector in Preview (Command I) and then click on the padlock tab, you will see something like this:

enter image description here

which should tell you how the document has been protected.

Ultimately, if the bank has put a password on to stop people altering the document (i.e. adding their signature), then you need to go back to them and complain.

Or do it the old-fashioned way: print it out, sign it, and scan it.

There are tools that will remove password protection on PDFs, but their legality is questionable (depending on where you live), and it's not wise to return a 'cracked' document to a bank.

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    Print/Sign/Scan is essentially the same "crack" as what I'm seeking, but physical rather than digital...
    – pkamb
    May 16 at 20:09

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