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EFG
New Member

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

My federal and state tax refund checks are made payable to me “and” my spouse, who is incarcerated. I filed jointly for us. My bank won’t allow me to deposit/cash it without having him present or having a joint account. We don’t have a joint account. What should I do? 

9 Replies
Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

Can you get a Power of Attorney from him?
Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

You can't just have him sign it?  I've never had a problem depositing a joint check into a joint account as long as it had both signatures, I have never had a case where both signers had to be physically present.  If he signed the check and you deposited the check at an ATM, would they have to check the video tape to make sure you were both in the car?

They might take extra precautions if you want to cash it, but I expect that if you just want to deposit it, they want to see both signatures but they don't need to see both people physically present.
*Answers are correct to the best of my ability but do not constitute legal or tax advice.*
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Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

"We don’t have a joint account."
EFG
New Member

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

I can have him sign it but Wells Fargo wouldn’t let me deposit it because we don’t have a joint account. They said the check could get returned if it was deposited into my account.
Level 15 rjs
Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

That's nonsense. The issuer can't even tell if the account that it's deposited in is joint or individual. Ask to speak to the branch manager, or try a different Wells Fargo branch.
Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

I bank with WF, and what they told her is in fact true.
Level 15 rjs
Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

This is not a tax question. You have to work it out with your bank, or find another bank. Your bank is being unreasonable.

Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?

OP said they do not have Joint account.
Level 15

I filed joint w my incarcerated spouse. The check is issued in both our names. My bank won’t deposit it bc we don’t have a joint account. How am I supposed to deposit it?