Payable To: Mr. and Mrs.

Since we're moving into the new apartment today, I wrote this one in advance (and while I was thinking about it). A word of advice for all the yet-to-be-married's and about to send a check for a gifter's: have someone put out the word that when friends and relatives are writing a check as a gift, they should make it payable to John or Jane Doe, not John and Jane Doe. This is a nit-picky little detail that will drive some bank tellers crazy and that some will be nice enough to overlook.
The first time that we went to the bank to deposit a check, the teller made both of us show ID and sign the back of the check. Prepared, both of us went to the bank the next time, but the teller didn't have a problem with it that day.