I'm not sure how more well it can be hidden in plain site. The drawee on most any payroll check is the address. If you comprehend how checks (sic drafts) are laid out from a commercial law or customary perspective the "to" or "on" or "against" position is where the address usually is on a paycheck. The drawer/drawers is/are usually at the top. The drawee is usually a bank. And if in the district.....
An enticing invitation to endorse private credit or...to accept it as the drawee? Remember, with a payroll check every two weeks or so some kind of report goes out to the IRS and the SSA to make sure the instrument will be a perfect match to the bi-weekly reports to the IRS and the SSA.
What is lawful or legal in a Federal Reserve district might be neither lawful nor legal elsewhere. The jurisdictional game is probably more sneakily hiding in the details....lawful money