Problem at My Bank
 

Couple things I learn from our bank that's not allowed.

Wife needed cash from her checking account from the same bank we both have our checking accounts at.

She wasn't able to go along, so she wrote a signed check out from her checking acct.
for "cash", at the same bank and I had her ID along.

We don't want or own debit cards for many reasons.

I went to the teller, she said: " They can't cash the check because my wife wasn't present."
Even though I had my ID along, the head of the household and had my checking account at the same bank.

:cry::(:oops:

Must be "Homeland Security" at work.

I think that is a pretty typical bank policy. She needed to write out the check to you, not cash.

One reason to have a joint account.

Sounds more like a customer understanding issue than bank security compared to homeland security issue.

But, yet some banks allow adult kids empty parents bank account.

Agree, at our age never know when one will croak, that way the other has no problems accessing joint account.

Wondering since the check couldn’t be cashed did you withdraw the amount requested from your account and give it to her.
Or did you make her go to the bank.

Seems right, if the check was made out to you. People do things for various reasons but I would not survive without a debit card plus we have had a joint account since before we were married. To each his own.

You should have deposited the "cash check" it to your own account then wrote a check on your account to yourself assuming there were funds to cover it. A debit card could have avoided this problem. If it is "security" you are concerned about just keep it in a drawer with your underwear or in the freezer or tape it under the toilet tank cover in a waterproof bag :) and take it out only when you need it.

Aside from that, like others said, if it was made out to you you'd likely have had no problem, otherwise it might be considered "quaestionable" under bank policy.

Your bank teller was right, ........... . get a debit card.

DHS is only concerned that the account is owned by an actual verifiable person in which procedures are enforced at account opening. Once an account is opened and information verified, DHS is no longer interested in what you do with your account. Banking laws to include money laundering is controlled by the Treasury Department and Department of Justice.

In your case, your actions are common to banking fraud, and thankfully the bank followed correct process and refused to cash the check.

Nice Title .... in the 50's

never!

We do.
Her checking has my name on it, and my checking has her name on it.

The teller at the bank did say by using their check and writing "cash" on it, it's telling
the bank I'm giving the bank the cash instead of with drawing cash.

Not true it's used today- even by the IRS code.

a woman or a man can be head of household.

That's not correct, the teller is clueless. Writing a check, you should be writing it to a person, however never say never. We are getting closer to where - no debit card - no nothing. Even my 95 yr old mother has had one for decades.

Typically, a joint account is one where either party can write a check against the account. So, why couldn't you just write another check on "her" account and withdraw the money? Unless you have a different type of joint account.

Same as my wife and mine. Never had any problems with a check written with "cash" at Wells Fargo. Butttt, we do have DEBIT cards. Carry them in a safety shield donated by Sumter County Sheriff Dept.
:shocked::shocked:

Only if the parent put them on the account.

Teller must be new... Been doing this for forty leven years without any problems...
:bigbow::bigbow:

if it was citizens, you don't need to write out a check, just fill out the checking withdrawal form available at the little desks as you walk in. they are blue/white. why waste a check when you don't have to?

Yep. Should raise a lot of flags if someone tries to empty an account from a joint account.
:boom::boom:

If she had made the check payable to you you could have cashed it with no problem.

Hoh
 

... and valid still today as one of the IRS 1040 filing categories.

Bring back the 50s, when men were men and women were women, lol.

A Married person cannot be a "Head of Household" pursuant to the IRS code.

Another option for you
 

I too do not have debit cards, don't want the added potential for someone to use a card at any place possible. What I do have is an ATM only card. Most banks will provide an ATM only card if you request it in place of a debit card. This way you can use the bank ATM with a pin code when you needed it but it can't go to the grocery or gas station and use it for things. Just keep your ATM cards in a lockbox at home and only take it out when you need it.

Why would you think it was ok? Of course you can’t cash someone else’s check wife or not.

Be kind to others, if for some reason your not feeling kind don’t post a negative response

I don't know about most banks, but Truist won't issue an ATM only card. Do you know which banks in The Villages area will?

Totally agree Frank

Having a debit card is no big deal if you only use it to withdraw cash from the bank and not in any retail store and keep it in a safe place where only the two of you know where it is. My husband and I both have our own checking accounts but both names are on both accounts, so no problem accessing either account. You can add her name to yours and she can add your name to hers.

What is a "check"? :confused: :jester:

ATM only card
 

We have one through Citizens. It is the same card as their debit card but they program it on request/demand to only work at the ATM. But as all things in life go.....if/when you get one here or somewhere else test it to make sure you can't use it at a store or gas station before that warm fuzzy feeling sets in.

Next time, have her make the check out to you. You could cash it with no problem. A check made out to cash is a bad idea. As long as the check has been signed, a check written out to cash can be cashed by anyone.

This is all silly. Poster could have just deposited the check into his own account then withdraw the same amount. Don’t really see the need for 2 days worth of discussion.

Atm only
 

Not in the villages but you can go to penfed.com and that's what you'll get.
Excellent service too .

You’re probably right, because what if someone found this guys wife’s check made out for cash, which would be cash for anybody that found it. If they would of cashed it this guy & his wife would of been screaming bloody murder. It’s a built in safety for the bank & both people!

I had a PenFed account for years, but I recently closed it. The reason was, that their VISA credit card didn't immediately notify me when I made a transaction. It took several days. With my Truist VISA card, I am notified by email within seconds of making a transaction. Much better and safer.