Q: As noted, you're likely only considering signing over a check because you don't have a bank account. If it is possible for you to open an account, do so, because it will make this situation (and likely others) simpler. To open a checking account at a U.S. bank, you generally need to be 18 or older; provide basic information such as full name, address, contact information (phone / email), and Social Security number; and show a government-issued photo ID. You should be able to find a no-fee checking account at one of your local banks. Also look into online banks, where free checking accounts are more typical. This is more likely to work with your Aunt Edna than a mega-corporation that sent you a rebate check, of course. Checks with "or bearer" written following the name of the payee can be deposited or cashed (typically, depending on bank policies) by whomever presents the check. The third party should be prepared to present identification when depositing or cashing the check, depending on the policies of the financial institution, especially if the check is for a larger amount. Checks written out to "cash or bearer" or just "bearer" will work similarly. You will pay a fee in return for this service, but you will walk out with cash that you can use to pay your third party. Check-cashing charges generally range somewhere between 1% and 12% of the check amount, so shopping around for the best deal can pay off. Some national retailers, including Walmart, provide this service. You will need a photo ID to cash the check.
A: Open a bank account, deposit the check, then pay the third party. Ask the original check writer to void the check and write a new one to the third party. Ask the original check writer to add "or bearer" after your name on the check (and future checks written to you). Use a check-cashing service.

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A:
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