This is what my friend did:
Let's say your real name is ABC, and the name on the check is XXX.
You will write in the back of the check "Pay to the order of ABC (your real name)" and sign your real name.
Now, don't go to the cashier. Go to the drive through to drop in the deposit box. And you should be fine.
In case you see a cashier, many cashiers accept that, but some don't. If both names have the same last name, just tell him XXX is your brother/sister...whoever related to you, that should be fine. But the safest way is to drop in the deposit box.
I never do because I never receive such a check :D, but my friend did that many times.
But anyway, if you receive the check, it's better to try rather than throw the check away.
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