i recently made a deposit for a large sum and there is a 15 day hold can i close my account today this is a joint account with my husband and i and i dont want him to have access to the funds.
2006-09-28 02:15:08 · 7 answers · asked by taw06 2 in Business & Finance ➔ Personal Finance
Most banks will not allow you to close it but they will allow you to freeze it from withdrawls. Unfortunatly the co-owner of the account has the authority to unfreeze it.
2006-09-28 02:34:28 · answer #1 · answered by Jim R 5 · 0⤊ 0⤋
Tricky.You can ask your bank what they are willing to do. Depends on where the money is right now, they may be able to let you open a separate account and move that money the moment it becomes available. (Most likely it is already available. They are just holding onto it). The bank hates to lose customers with large sum of money. I bet they will work with you. Just say it was personal fund and you never meant to put in the joint account or something. You can also ask them to freeze the account saying you have misplaced your checkbook or something. Large bank will accommodate you in many ways. When you talk to them, don't sound panicky or they may get suspicious (like you are trying to steal from your husband). Don't tell the teller the details. Talk to a senior person.
2006-09-28 09:42:48 · answer #2 · answered by spot 5 · 0⤊ 0⤋
I believe so, yes. Most times, the bank will allow you to leave the account open for deposists for a period of time (1-2 weeks), but will close it from withdrawal.
I had my backpack stolen years ago with my checkbook in it, and had to close the account. This is the offer they gave me, since Direct Deposits can take some time to be re-reouted.
2006-09-28 09:18:27 · answer #3 · answered by fe2o3ez 2 · 0⤊ 1⤋
can't close it its a 2 party account you can take yourself off but the money is community are you the primary on it meaning did you open it and added your husband on it if so yeah you can close your part out but questionable on the money fromexperience prior to my divorce i had over 67 grand in our checking i asked the bank not to honors any checks written by the soon to be x beign out of town (military ) i could not personally go to the branch she was added to my account after marriage sorry said the bank she can take herself off but the money stayes community property it became part of the divorce she was granted 1/2 even though she never held a full time job big bobbooo
2006-09-28 09:24:08 · answer #4 · answered by aldo 6 · 0⤊ 1⤋
is the account in your name primarily - if it is you can take him off of the account - if not - closing the account won't help - because the bank will not be ablel to close the account without knowing that won't get stuck for any money/
2006-09-28 09:23:48 · answer #5 · answered by marybeth_pillsbury 1 · 0⤊ 1⤋
You can't close it without his consent. How long ago did you make the deposit?
2006-09-28 10:54:26 · answer #6 · answered by MissSarah 2 · 0⤊ 0⤋
not unless you want to lose the money
2006-09-28 09:16:41 · answer #7 · answered by Anonymous · 0⤊ 1⤋