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My credit union doesn't accept any check deposits without signature endorsement from the recipient. I have a joint savings account with my spouse. They do not accept checks made out to both me and my spouse if only one of us has signed the check. They do not accept checks made out to me if they are unsigned even when my spouse delivers them in person.

Several other money.SE answers make clear that signature endorsement is not necessary, and specifically point to Uniform Commercial Code §3-206. What arguments can I use to persuade my credit union to accept deposits to my account without my signature, at least from my spouse?

  • What reason did the credit union provide? – Hart CO Apr 16 at 21:04
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    do you an 'or' account or an 'and' account? – Aganju Apr 16 at 21:15
  • Possible duplicate of [ I'm using a vendor that is terrible. How do I make them be awesome? ] – Harper - Reinstate Monica Apr 17 at 0:06
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    It may not be their decision. Dirty secret about credit unions are that most of them are too small to economically perform the functions of a large bank. The majority of credit unions are essentially resellers of services from a wholesale bank called a corporate credit union. Your checks are processed by a corporate credit union, who also invests your funds and handles debit cards, etc. – user71659 Apr 17 at 6:21
  • @HartCO: The tellers just say it's the policy of the credit union. I was waiting on escalating to management until I got some feedback from this question. – sondra.kinsey Apr 17 at 13:01

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