To put it simply, a random cheque that you find on the street made out to someone else cannot be deposited into your account. However, some banks allow counter-signed cheques. A counter-signed cheque is when the intended payee of a cheque provides an endorsement in your name on the back. This is usually in the form of “Pay to the order of ” along with the payee’s signature. Not all institutions accept counter-signed cheques, though, so ensure that your bank does accept such cheques before attempting to deposit one.