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I just ran into this situation--a royalty check was made out jointly to my sister and I as we are both listed on a property deed as joint landowners. I was able to deposit the check into my account, only after a bank employee witnessed my sister signing the check and verified my sisters' identity. Otherwise, as you mention, there is no way for a bank to tell if the other parties' signature is a forgery.
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Eric
83 911SC/83 944
bunch of Honda 750s
69 Chevrolet C-20 Longhorn (family heirloom)
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