Some "central route processing" has provided me with two scenarios regarding handling the instrument:

1) The remitter (whoever sent it to you) owes your account (the acct. number on the 'bill') and sends the coupon/voucher ('bill') for your indorsement (signature creates the positive credit) and will deposit said instrument into the account when you send it back properly indorsed. They are the printer of the "check" and the "teller" who will deposit the funds in said account once the instrument is indorsed.

2) The person (entity/vessel created by the United States - name on the account of the 'bill') owes the account and the sender of the 'bill' seeks an authorized signature for credit transfer from the source of all credit; 'man'. The 'man' authorizes the credit transfer, through the person (transmitting utility) and the 'biller' receives the funds and indorses for deposit into the account.

Number (1) scenario would require the 'man' to sign the back of the instrument (no other markings anywhere) with his authorized signature and send in for deposit into the account.

Number (2) scenario would require the 'man' to fill out the front of the instrument (like a conventional check) and send it in for the receiver to indorse the back and deposit.

What say you?