Our bank typically only allows it if the check is signed over to the spouse and the spouse is actually transacting the deposit and/or cash-back. We only allow this on a very limited basis, once or twice, otherwise we urge that the spouse be added on to the account. If there is concern by our account holder about adding their spouse, that would seem to be a red-flag about their relationship and allowing those transactions (something fishy in Denmark and if things go south, you know who will be left holding the bag). Sometimes we have found the non-spouse is on ChexSystems, etc. We simply remind our customer that the account agreement is between them and our bank. And don't you love it when our customers put us in the position of having to give them news you know they won't like. Why can't everyone be like us???????????
My comments are absolutely no reflection of, nor influenced by, my employer - take them at your own risk.