Checks Payable to Sole Proprietorship

If a check is payable to, for example, Joe Green Excavating, must the check be deposited into a business account of the same name, or may it be deposited into Joe Green's personal account? What about cashing the check?
We're aware of the possible IRS issues for not correctly accounting for income.

I'd really appreciate responses based on: 1) your understanding of what PA law states; and 2) what your bank does. Thanks!

We stress to our branches that the check must be deposited to the business account. In this manner, we are covered in making sure the check is deposited as endorsed and cannot be returned for a missing endorsement.
As far as cashing, we do not cash checks payable to a business, whether or not it is a sole proprietor. We give the customer the option to deposit the check, then write a check from the business.