You are the only individual who has the legal authority to withdraw funds from the checkwriter's account. However, the simplest approach to cash that check (or withdraw money from your checking account) is to give it to your bank and let them handle it. You allow the bank to collect payment by endorsing a check. Endorsements are letters that authorize another person to deposit or withdraw money from your account. Most banks will charge a small fee for handling checks, but this is generally included in the fees listed on your statement.