With the new technology factor of remote deposit machines it brings with it new questions. I have a customer that had a joint account titled as an "or" account with him and his wife. He closed the account and used his remote deposit machine to take the cashier's check made payable only to him and deposit it at another bank. When we received the check through our system it was reviewed due to the amount of the check and then determined it wasn't endorsed properly even though the deposit machine stamped the back. The other issue is that it was made out to a person, but deposited into a business account. We did decide to return the check to the customer. Did we really need to return it because the account was titled as an "or" account and he chose to close the account and deposit the check in a business account? He did not sign the check, but his machine did endorse it.