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Commercial Bank and Checking Accounts

If you had a joint checking account with your boyfriend but have removed yourself from it is it legal for him to still use the checks with your name on them?


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Wiki User
2006-09-14 00:43:53
2006-09-14 00:43:53

Yes. The name/names on a check simply means they are legally authorized to sign it. * The names on the checks are really not the issue. When a checking account is jointly held one of the holder's cannot simply take their name off the account. The account has to be closed and each party will be required to open a new account in whatever status they choose. It would be in the best interest of the person wishing to be excluded from financial responsibility to contact the bank to make certain they have been relieved of all responsibility concerning the account. The UCC states that only the signer of a check is responsible. However, not closing the account properly can create any number of problems for one or both account holders.

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It works much the same as a credit card but the funds are removed from your checking account

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Yes. If you want to get out of a joint account, you can contact the bank and submit a written request to be removed as a joint holder of that account. The other parties involved in the joint account have to approve your removal from the account, only then the bank will complete the formalities.

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It turns out that the answer is yes, which was rather a surprise to me. A person I know closed her joint checking account (with her husband) after her divorce, because he kept overdrawing on the account. She tried to have her name removed from the account, but they wouldn't do that without him; however, bizarrely, they were perfectly happy to simply close the account on her say-so. (This may have been practical: they may have just decided "it's better for us to close the account than to take the one person who actually puts money IN off the account.")

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Depends on what type of an account it was set up as. If you were a signer on an account, then most certainly the owner of the account can remove you. Same as applies to accounts set up under a trust. if it was a joint with right of surviorship, most institutions prefer to just close the account and reopen the account under the requestor. even if there is a divorce decree. or "death certifacte" Either way, if you were removed from the account without your consent, you should call your financial institution right away.


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