tax refund checks

Hi everyone,I have been asked to poll the group as to how you handle federal income tax refund checks that are made payable to 2 parties.  Specifically what do you do for those that want to deposit into a single member account (one of the 2 endorsers does not sign on the account).  And why do you do it that way.  Assume both signatures are on the back of the check and only 1 is presenting the check.ThanksBeverly Mcmahon, Century Federal Credit Union