Certain banks might only take an endorsed check if the original recipient comes down to the bank in person to deposit it with you, bringing an official form of ID so that their identity can be verified. Likewise, it may also be the case that banks only endorse checks that have been sent to two people at once, say a couple, with one endorsing it to another in order to deposit it into a separate savings account. If a cheque has the account payee only crossing or reads “non-negotiable” then it cannot be transferred - if the account number of the payee is printed on the check, then it is prohibited to cash it into a different one, so you won’t be able to. It’s worth checking your bank’s official policy on depositing checks before you head down there, in order to avoid disappointment - it’s not the innocent teller or clerk’s fault that someone who works above them made this decision!