Stop doing business with banks and go to a credit union. Suncoast Credit Union would have given you good service.

I have had an ATM only card from B of A for years. When they renew it the new card is inevitably a debit card . I call in and get that card canceled and get them to send me an ATM only card which they do.

YES.......That is the lesson here learn.......Thank You

The bank was correct.

If you think otherwise, there's know alternative.

Like my wife.
I always say "Yes Dear" (even though she's wrong once in awhile.)

That's because the parent included the child on the account.

Our bank up north will let you endorse it under your wife’s endorsement. But in that case they know both of us.

Some banks now require a check to be deposited for several days before you can withdraw it.

I got debit card but ONLY use in case of emergency, so far that hasn’t happened. I would NEVER give my debit card to waiter or let them walk out of site with it.

Just love how they get you to give them you’re money, then hold you hostage.

I seen canx one in phone booth yesterday…:faint:

Good. Who knows now days if husband is taking money from wife forcefully or the other way around. Husbands are killing wives & maybe kids. Wives killing husbands. In todays world one can not be to careful.

Our bank requires us to write it to cash if we want cash.

WOW your reply is worse then the 6 o'clock news

Yes ours did to until now.
Their changing the rules in the name of bank security.

The teller was wrong. I have worked in banks for over 30 years. A check payable to cash is a bearer instrument meaning anyone that has the check in their hand can negotiate that check. It’s no different than leaving the payee blank. Anyone can cash that check too.

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Head of the household
 

I hate to inform you but Head of the Household is on its way out. Makes it sound like you’re wife stays home barefoot and pregnant.

You need to get over the Debit card fears and get one but know how to protect it. For maximum safety, only use it at your own Bank's ATM, and be sure no one has attached a stick-on skimmer to the outside each time. With this approach, you'll likely never have any issues. I used a Debit card exclusively for all purchases for many years with no issues. Then, it got frauded out 3x in one year. I got a new Debit card and started only using it at my Bank's ATM. ALL other purchases go on American Express and paid for each month in full. American Express security is far more advanced that all these other bank cards. I have never had American Express card frauded out on me. I'll stick with this plan until I have any issues again. The added benefit is American Express gives me cashback which I use to apply to paying off statements in full from time to time. Now, that does not happen with Debit Cards or Cash!

Shouldn't the teller use discretion? Maybe the teller didn't feel comfortable cashing the check and decided to err on the safe side. We don't even know the amount of the check or the account balance.

... as is referring to your wife as "my bride" or "the wife."

Why do you need separate accounts if you are married?

In my opinion, you need at least three accounts: his, hers, and a joint account.

You’re correct we don’t know the amount but then the teller should have spoken to a supervisor. He didn’t say the teller did that and made the decision on her/his own. I’m thinking it was a new teller who doesn’t know full banking rules.

Get Cash from your checking /savings account for your wife and she can then Zelle the money back into your account .. easy pezzy
I do this for hubby all the time

Do we now see who had the problem? :popcorn:

Learn their rules and follow them.....
HEAD ? Of household? What world are you from?

Depositing a check and the bank placing a hold on those funds until cleared is smart, not holding the customer “hostage.” If I write a check to you, your bank doesn’t know if my check will clear or not.

Regarding the check payable to cash, 2 things:
1. The teller was correct in that she could not cash it for you. However, I’m sure she explained that you could simply endorse the back, deposit to your personal account, and make a personal withdrawal, (as long as you have enough in your available balance).
2. The bank doesn’t care what your IRS filing status is when it comes to personal accounts. And, technically you can’t be “head of household” if you are married.
The categories are:
• Married Filing Jointly
• Married Filing Separately
• Qualifying Widow(er)
• Head of Household (MUST have a qualifying dependent)
• Single

Married couples should always have their own accounts. How many folks have had a spouse empty the joint bank account to run off with a new love or gamble it all away?

Since everyone is sharing their favorite banks, I will chime in about PenFed Credit Union. They are really fantastic to do business with. I also like the Apple Credit Card. Though, it doesn't have the best interest rate, I do like the fact that it does not have the card number printed on the card. If you have fraudulent charges, you simply notify Goldman Sachs (issuer) about the fraudulent charges and then generate a new card number. There is no need to cancel your card or wait for a new one to be delivered by your mail carrier. You can even change your card number, just because. I like to generate a one-time card number for use online. To avoid paying interest, I pay the card in full each month. If I ever needed to carry a balance, I would choose another card.

I bet that bank was WF. Lots of problems with them. We are getting out of that bank.