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This depends on your bank's policies, however, generally a check must be titled like the account is titled to be deposited into that account or the payee and the account holder must both present the check for deposit to verify they each agree to the deposit.
It depends: a. No - If the spouse writes a check out of a single account held by the person writing the check b. Yes - If the spouse writes a check out of a single account that is held by their spouse and the person writing the check is not a joint owner of the account. To be simple: Writing a check from an account that is not held by the person writing the check is a crime.
No. it is not mandatory to have a joint account with your spouse. If you feel, you no longer wish to have your spouse in your joint account, you can let them know and then contact the bank to remove their name from the accounts joint holders list.
Depends on the laws of the state you reside in, but if it is your own personal account, chances are that's forgery. Something to keep in mind is that if your spouses name is on the account in any way, then there is nothing you can do except discuss this problem with your spouse.
Spouse certainly not. Others possibly.
Primary account holder is the person on whose name the bank account is created in the first place. Ex: Assuming you have a bank account and then once you get married you would include your spouse as a joint account holder. you will be the primary account holder and your spouse would be the secondary holder.
no
Absolutely not. Credit card companies/banks would never consider taking such action. It would constitute fraud and would be a criminal and civil offense. There might be a rare instance where one spouse has signed the other's name to an account w/o their knowledge. If this is an issue it is definitely subject to dispute by the innocent spouse.
As long as the couple did not reside in a community property state and the spouse was not a joint account holder the spouse is not responsible. However depending on the probate laws of the resident state, a portion of the deceased's estate may be used to pay outstanding debt(s).
Illinois is not a community property state, therefore a spouse who is not a joint account holder is not responsible for the credit card debt of the other spouse.
A spouse may open as many bank accounts as they wish. If, on the other hand, you are referring to a joint account; then there will have to be paperwork filled out adding the spouse to the account and thus creating a joint account. This requires the agreement and signature of the original account holder.
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be primary for you, and your spouses insurance policy will be secondary. The insurance policy thru your spouse's employer, (your spouse is the policy holder, or the insurance is in their name), this would be primary for your spouse, and your policy would be their secondary. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
Alabama is not a community property state, the surviving spouse is not responsible for creditor debt unless he or she was a joint account holder.
It depends on the type of account - and the bank. If you're simply wanting the spouse to be able to spend money that's in the account - they can be added as an additional card holder. Alternatively - if you want the spouse to have equal control of the account (changing credit limits for example) - then it's better to have the account in joint names.
Interest does not accrue on credit card debt after the card holder is deceased. It can occur however, if the spouse is on the account.
Under Florida law a spouse cannot be held liable for debt repayment if the debt was not jointly incurred. The issue concerning the second card holder will need to be taken up with the creditor. If the couple were still legally married at the time, the creditor will probably accept the spouse's right to use the account. In which case the account holder will be held liable for all charges pertaining to the account in question.
The primary insurance holder is obviously covered alongside their spouse and children too if they were included in the insurance plan.