John, isn't UCC 4-205 limited to customers depositing/cashing checks? The daughter is not a customer in this case, nor does she have authority to act on behalf of the customer.
§ 4-205. DEPOSITARY BANK HOLDER OF UNINDORSED ITEM.
If a customer delivers an item to a depositary bank for collection:
(1) the depositary bank becomes a holder of the item at the time it receives the item for collection if the customer at the time of delivery was a holder of the item, whether or not the customer indorses the item, and, if the bank satisfies the other requirements of Section 3-302, it is a holder in due course; and
(2) the depositary bank warrants to collecting banks, the payor bank or other payor, and the drawer that the amount of the item was paid to the customer or deposited to the customer's account.
Opinions are my own.
"I was gratified to be able to answer promptly. I said I don't know." - Mark Twain