Quoted:
Quoted: It would be forgery of Endorsement, it will be charged back to your account. Did I mention I am a fraud investigator for a bank?
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No it wouldn't. The indorsement wasn't forged, she just signed it and then lost it. The blame is on her at that point for losing a check she indorsed. But, if she signed it 'deposit only,' it can only be deposited to her acct. Congratulations on your career.
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My understanding of "for deposit only" means it must be
deposited, but not necessarily to
her account, especially if she didn't put her number on it, but to
someone's account.
Of course, if you try to deposit it to your account, I'd wager you're committing some kind of fraud, theft, etc. The maker sure didn't write you the check, and I'm pretty sure Sarah didn't drop it there thinking you'd be by to pick it up and how much easier that would be then just handing it to you.
But go ahead, try to deposit it.