Because of all the “drops” people are doing (it’s also called fraud- people use dead people’s info or steal other people’s identities ) banks are cracking down... the big name banks anyways... as for credit unions and military accounts those are different I believe.... military accounts allow it usually if you have the same last name as the person or if your listed as a spouse or sibling in the account.. it does not have to be a joint account to have an authorized person on the account with specific types of accounts but if your an authorized person then the bank can allow it but now days things aren’t the same like they use to be..,. I’m with Wells Fargo and I even had to have a joint account with my husband in order for him to deposit his paycheck into the account.. the bank manager told me without him on the account it wouldn’t be allowed especially if the check is from a different bank then Wells Fargo... things are sooooo complicated now it seems
