"what is the best practical solution here"
Given a choice between asking the IRS to change your jointly issued stimulus check to two separate checks in the middle of a pandemic when they are backlogged and understaffed, to the point of not even opening the mail for months, or opening a joint banking account to deposit the check--and then doing whatever the two of you please with the money once it is deposited--which choice seems more practical?
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
