We have some banker/client relationships where the client wants to mail to "their banker" checks to be deposited for them. Some of these are large checks. Sometimes the envelopes are addressed to the banker, sometimes just to the bank. When they are addressed to the bank, deposits are immediately made. If they are addressed to the banker, the admin's are still opening the check, but leaving them for the banker to handle. This process seems ripe for problems, but I always like to see what are the various issues, besides I don't like it. It seems to be there could be Reg CC issues and well as employee fraud/audit issues. For example, when is a deposit received by the bank when it is mailed in? When the envelope hits the bank, or when any employee knows its a deposit, or when the check actually makes it to the teller window? What happens when the banker is on vacation or sick for a week? Thanks for your input.