Is there a type of account where two people can have direct deposit, but only one has access to the funds and the other would need permission to make any transactions?
This would be rare because those whose deposits are made should have an ownership interest and therefore be able to transact business in and out of the account.
There could be a situation where a Uniform Transfers to Minor Act (UTMA) exists and the minor has monies deposited, owns the account, but the trustee has the capability of making withdrawals, not the minor. You could also have the other person declared legally incompetent, and they could be limited as to transaction capabilities, but still have direct deposit into an account.
The problem with the scenario as asked is that this person may demand their money from the bank and the bank is in the position of trying to defend why this person has no access to their funds. Banks would rather not have to defend themselves against any actions.
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This would be rare because those whose 