Commercial Bank and Checking Accounts

Can husband use wife's checking account without her permission?


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2011-01-22 14:40:45
2011-01-22 14:40:45

No. Only the owner/holder of the checking account can use the account. Even the spouse of the account holder cannot use it. In case the spouse wishes to use it, they should either be a joint holder of the account or should have a legal power of attorney to do so. Even in cases where the wife is dead, her husband as the legal heir to her property can use the account.

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The bank can just close your account without writing to you

No one, not even a lawyer, can look into your checking account (or any of your bank accounts) without your permission or a court order.

Of course. That's the purpose of a "joint" account.

No one can write a check on any checking account that does not have them as a signer. If their name is not on the account it is called fraud. If their name is on the account a check can be written without permission, even if you are the main signer

Probably nothing. It is likely that you gave permission in the mound of documents or subscriber agreement that is usually not read.

it is my understanding that the only people who can take money from your account without your permission are the IRS to pay back taxes. unless you sign somthing giving the bank permission to take money out of your checking account I don't think they can do it. make sure you read the fine print of any loan document so you know that you are not giving them the right to take money out of your checking account.

You can open a checking account with The do no check your credit.

Yes they can. They can also suspend your driver's license without notification. They can attach to any assets that you may have to obtain the back child support including checking, savings, a home, a car that you own etc.

not without her permission, if you do it anyways she can have you charged.

no it can't cause that is you account not somebody else

can the state of Indiana freeze your checking account without letting you know? who would I contact in the state of Indiana gov.about this?Answercan the state of Indiana freeze your checking account without letting you know? who would I contact in the state of Indiana gov.about this?

Legally, in most cases, yes. Ethically, no, not without permission.

women could legally get a checking account on their own without a cosigner in the U.S. in present day today.

No she can't as a matter of fact without his written permission she can't even get general information about that account. This is what I found to be amazing, if this couple has a joint savings account, but the husband's name is the only one on the checking account, he is the only one that can legally transfer money from the savings account to the checking account. It also works this way if there is a joint checking account and money needs to be transferred from the joint checking account, to the savings account with only the husband's name on it, he is the only one that can move money from one account to the other. I am a bank manager and I know this is more information than you asked for, but when I have to explain this to couples, it often leads to a very heated discussion between them in my office. I live in Virginia and I can only answer for Virginia. I hope you found this answer helpful.

A standard checking account at most banks is an account where a person puts money in, and then they can write checks to pay their bills or get cash. A standard checking account might have a minimum balance the account holder has to maintain, without being charged a service fee.

Yes. But it wouldn't be done without a reason.

If she states in her will that her husband shall receive that account he will. She may leave it to anyone she chooses. If she dies without a will it will pass as intestate property according to the laws of your state. See the link provided below for state-by-state intestacy laws.

No. It is your account and the bank cannot move funds from one account to another without your approval or rather without you asking them for it.

Yes there are. From personal experience I can tell you Associated Bank offers a free checking account without direct deposit.

No. If your checking account in non interest bearing, then the you will have no interest to report on your income tax return and therefore no tax to pay.

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