Typically when you're hired by your brokerage and first sign the independent contractor agreement, at that time you either give your brokerage the routing number for your bank account (where your commission checks are to be deposited) OR you tell your brokerage who to make the check payable to.
At the closing of a real estate transaction, ALL commission checks are payable to the brokerage itself - NEVER the individual agent / realtors. The brokerage deposits the check into their account, then cuts a check payable to you depending on the split between you and your brokerage. Because of the split between the realtor and the brokerage, this is why commission checks at a closing are payable to the brokerage. Your brokerage takes their split upfront.