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5

I don't have direct experience of the US banking system, but from what I know of the UK's system, and what I've read here... If the check was mailed to Bank B (for credit to Account B), then for Bank A to have debited Account A then Bank B must have processed the check and sent it (or an image of it) to Bank A to be cleared. During this processing, Bank B ...


0

I've had a similar situation with a $12 check deposited electronically into my Ally checking account. Whatever automated process there is running on their side flagged the check as being written out to 2 individuals but only having one signature so they rejected the deposit sometime within 7 days. I just had to get my wife to sign it and then resubmitted it. ...


13

While I don't have a canonical answer to this question, I can share a couple of similar experiences. I've had this happen a few times whenever we vacate an apartment after the completion of our lease, the landlord would typically refund the security deposit back to us with a certified check made out to both me and my wife. Since I put down the deposit, I ...


6

Absolute worst case is that the bank notices this and puts a fraud alert on your account and locks it until you get it sorted. Although, the chance of this is essentially zero since no reasonable person would assume ill intent in this case (but you never know). Regardless of if they lock it or not, most likely they will ask that your wife provide some ...


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