I did taxes for friend 90 miles away and she authorized state to talk with me regarding tax prep since I understand filings. Refund check is made payable to her c/o me. She does not have a bank and cashes checks at major retail center. They say I must be present in order for her to cash her check. My endorsement alone is not sufficient but I must be present. I say c/o is merely part of address and there is only one payee so only she must endorse the check and be present. Your thoughts?
I’m sure you are correct, and if she were dealing with a bank, I don’t think she would have any problem with it.
The check cashing service she is dealing with may have different rules, or it may just be a misunderstanding of the teller she talked to. She should try talking to a manager there.
My final thought: go see your friend.