Yesterday I went to the bank to deposit our IRS refund check. It was made out to both my wife and me. I was the only one who endorsed the check, and they would not let me deposit the check into my account. Both parties have to sign the check. This makes banking inconvenient. If it is made to both of us, why can't only one of us endorse it for deposit? I could see if I were trying to cash the check, but I was trying to put it into my account.
This brings up another point. Three times now, we have tried to add my name to my wife's account and create a joint account. All three times we have left the bank with the assurances that my name is there, and that I will be able to make withdrawals, write checks, and everything else that an account holder can do. Then when I go to withdraw money from the account, the bank won't let me because my name is not on the account. I explain that my name should be on the account. They tell me I have to speak with customer service. Of course, customer service can't do anything because my wife is not there. And, to make matters worse, the account is still under her maiden name. That means she has tried to change her name on the account four times, and it has failed.
I am thinking that it would be easier to just close the accounts and walk across the street to start a new account with another bank.
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