本人以外の口座へ入金する場合、本人立会いでないと銀行は処理しないようです。
政府発行の小切手には裏書は無効のようです。
4) You CANNOT cash/deposit a federal government cheque in your spouse/mothers/fathers/brothers/sisters/childs/coworkers name without them present, DESPITE IF IT IS SIGNED BY THE PAYEE OR NOT. The person named on the cheque MUST be present, and able to prove their identity as listed above.
このリンク役立つとおもいます。
http://www.redflagdeals.com/forums/archive/index.php/t-580903.html