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Home >> Accounts >> Checking Accounts
Name on Checks, but not on Account
My husband ordered some checks for his account. I am not on his account yet. He had my name put on them. The bank didnt want to cash one of his checks, because it had my name on it. They want us to order new checks or add me to the account. Is that correct? Couldnt we just mark my name out? His bank is about forty-five minutes away, and I hate to make a special trip. He works out of town, so it's close for him.
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 It is not unusual for a bank to require approval of documents, including checks, used in connection with an account. As you and your husband have found, his bank is likely concerned that having your name on his checks might give the impression to third parties that you have account rights, which, of course, is not the case yet.
This is your husband's account. If he wants to have you on the account as a joint signer, he needs to take steps with the bank to arrange it. The bank may require you to visit its offices to sign account documents and provide proof of your identification. Some banks will not allow customers to sign documents other than in person.
The bank's position is reasonable. It should not have to rely on you and your husband to line out your name on the checks. If your husband will not be adding you as a joint account holder, he needs to get checks without your name on them.
Published on BankingQuestions.com 11/19/09
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