Who can endorse a check made payable to two people that does not link them?

A check made payable to two people without a linking conjunction (like "and" or "or") typically requires both parties to endorse it for it to be cashed or deposited. However, if the check is not clearly delineated as requiring both signatures, one party may be able to endorse it on behalf of the other if they have permission or power of attorney. It's important to check with the bank’s policies, as practices may vary.