I cannot understand how the Bank proposed to pay the cheque. Cheques have to be cleared for payment and nowadays that is done by an imaged based system. In other words the cheque is scanned and if the payee's name was not written on the cheque it would automatically be rejected for payment. Short of the bank official writing in the payee himself (for which he could be dismissed) there is no way to my knowledge that the cheque could have been paid.