Answers about Endorsing Checks
My daughter endorsed her check and I tried to cash it for her, but the bank refused. Can they do this?
Because you are not the maker or the endorser, this is considered a third party check.
A national bank sets its own policy to accept or reject third-party checks. If the bank accepts the check, the bank can require the payee to be present to verify the signature.
There is no law that requires a bank to accept third-party checks.