Consider the possibility that the "business operating inside the other business" is actually a division of the business for which the bank has the account. For example, "Easy Irrigation Systems, a division of Easy Landscape Services, Inc." Assuming that the bank has worked with the depositor to assure itself of that structure of the businesses, the bank could accept a check payable to "Easy Irrigation Systems" for deposit to the "Easy Landscape Services, Inc." account. It could be facilitated by an endorsement reading something like "Deposit only to account of Easy Landscape Services, Inc., Easy Irrigation Systems, a division of Easy Landscape Services, Inc."
A similar result could be arrived at if Easy Landscape Services, Inc. operated a separate business, Easy Irrigation Systems, under a fictitious name (DBA).
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8