Checks payable to representative payees use the term “for” to deter payment misuse.
The financial institution (FI) is not liable if the payee misuses cashed checks if
the FI has no knowledge of the payee’s intended misuse. In response to questions regarding
liability, refer the FI to the Comptroller General's Decision B-6875, MARCH 22, 1940, 19 COMP. GEN. 806. The FI should contact Treasury if they need further assurance.