Let's assume there are 3 personal checks and individuals
First let's find the recurrence relation for the number of ways these checks can be place in the right envelope

Explanation: Person A has a 1/3 chance of getting the right envelope, person B has a better chance of 1/2 since envelope A is already taken, and finally, person C has a 1/1 chance
Thus, we can also write this as,

Now, to find the recurrence relation for the number of ways these checks can be place in the n envelopes so that no check is in the right envelope, we just need to substrac 1 - P , which is,

now, we can replace n = 3 and have a general formula,

And that's our answer!
1 - 1/n!