I really don't see why this should cause a problem. You're the payee. It's going into your a/c, albeit a joint a/c, which you & the other party to the a/c will have access to, as per your request. ie. Repayable to either or requiring two signatures. If you came to me with the cheque I'd lodge it no problem. The easiest thing for you to do is to write a letter, with your instruction to lodge the cheque into your a/c, giving a/c details etc & get your brother to drop it into your bank. This should cover all objections.