I'm not surprised..I'm sure they've developed techniques for sniffing out all kinds of checks by this point. Basically speaking, any check in the mail is subject to being stolen by regional USPS mafia and they don't give the first sh!t about it.I agree that the majority of checks are probably the ‘business’ type that you describe, but the check stolen and washed that I wrote for the HOA where I live was in a plain envelope with hand written To and From addresses. Someone at USPS must have noticed the addresses as businesses and snatched it. Bass-turds.
Every time we send out a "largish" check, even trying to be incognito, we nervously await and constantly look for it to clear cleanly. What a fawkin' way to live. There's a friend of yours...he and I need to go full banana on those clowns...