Chase bank requires you to have an account to cash a Chase zBank Check.
Lack of information makes this difficult to answer. Can you explain? Usually its done at a bank. If the word "or" is used, then only one of you must be present and endorse the check. You should be able to cash most two-party checks at a bank where one of you has an account or at the bank where the check was drawn, although that usually involves a fee and additional proof of identity.
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