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.