If the check is payable to both of you, and the names are connected with the word "and" or an "&" symbol, your wife should not be able to deposit the check to her individual account without your endorsement.
BankingQuestions.com is a free service made possible by the generous support of our advertisers. Advertisers are not responsible for site content. Please help us keep BankingQuestions.com FREE by supporting our advertisers. When you see an ad for a product or service you may have an interest in, click through to learn more.