You can deposit a check made out to someone else in your own bank account if the payee endorses the check over to you. They will need to write “Pay to <your name>” on the back of the check and sign it.
There is, however, no legal requirement that the bank accept such checks. So, the bank may refuse the accept the check or may put a hold on it until it clears the other bank. Some banks will accept such a check only if the payee is present when it is deposited, so they can verify their ID. Some banks will accept such checks only when the check is jointly made out to two people (e.g., a married couple) and one endorses it over to the other so that the other person can deposit it into a separate account. (Some will insist on depositing such a check into a joint bank account if it is a government check, such as an IRS refund check.) No bank will accept such a check if neither the payee nor you are a customer of the bank.
In general, once the payee (the person the check is written to) has endorsed the back of the check it can be deposited into any account (unless the bank’s policy says otherwise). If the payee gives you the check to deposit into your account, then it’s recommended that they endorse it and sign it over to you by writing “pay to the order of [your name]”, this makes you the new payee. This is called a blank endorsement. If the payee writes “for deposit only into account xxxxxx”, then the bank cannot legally deposit it a different account. Sometimes the account number is not written in the endorsement area, in this case it can only be deposited, and not cashed (for security reasons the bank might also verify with the payee if they in fact gave the check to you).
Signing a check over to someone else lets them deposit it into their account, but this doesn’t always work.Try depositing or cashing the check yourself when you can.Only sign it over to someone else as a last resort.If you must sign a check over to someone else, make sure that both the receiving bank and issuing bank allow that type of transaction.