I have a check made out to 3 people, with "and" separating our names. I managed to get all 3 to endorse said check but the bank won't allow me to deposit it without everyone present which just isn't possible. Is there any bank that would allow me to cash or deposit the check or somehow get the funds? My apartment complex refuses to recut a check to change the wording to "or" so if I can't deposit this, I can't get my security deposit back. (This is in the US, I've tried Commerce Bank, First Bank, and Regions Bank)
Avoid talking to a person: Just use an automated system, such as an ATM or a cellphone app. Automated systems will ONLY scan for the RTN # and Account number at the bottom of the check (the funny looking blocky numbers).
The automated system will not care who the check is made out to, or who is present, so long as you have an account to credit the money into, and the account number on the check can get the money debited properly.