If a check is issued to you and your wife, the check is payable to all payees. It must be endorsed and negotiated by all of them. If the check were issued to you or your wife, the check is payable to each payee. It may be endorsed and negotiated by either or both of you. If the check is unclear as to whether it is payable to both payees or just one payee, such as being payable to you and/or your wife, then the check is payable to each payee. It may be endorsed and negotiated by either of you or both of you.

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