I have direct deposit, so my paycheck is automatically deposited into my checking account. The executor of my will will be given the account number and pin number for my bank accounts upon my death. He will distribute whatever funds are in those accounts according to my will.
No one else can cash it as its not made out to anyone but the deceased. The business can cancel the cheque & then pay the next of kin. If its gone into a bank account you would have to get your soliciter to look into how the spouse could close the account & retrieve the funds I think.