We have protective payee accounts where a company handles the finances for people unable to do so. The owner of the account does not have signature rights, only the company handling the account has signature rights.
If the owner of the account comes in to cash a check that was made payable to them, should we cash it? They don't have signature rights on the account, so if the check would come back, could we charge it against the account?
These Pretzels Are Making Me Thirsty!