What most naturally follows?

How to cash a check made out to two people
Examine the check's " payable to " line to find out how the payer wrote both names.
This determines how the check can be endorsed and cashed.
Checks with names separated by " or, " " and/or, " a comma, or nothing at all can be endorsed and cashed by either individual.
Checks with names separated by " and " must be endorsed and cashed by both individuals. Contact your bank or financial institution before endorsing the back of the check.