LexisNexis (January 25, 2019, 11:41 AM EST) -- If a check is payable to “A and B” but is indorsed only by A, who deposits it into its own account and pockets the proceeds, B can sue the payor bank in conversion. UCC 3-420(a). The absence of one of two required indorsements makes the check not properly payable, just as though there were no indorsement at all....