My fiance uses my checking account without my permission. We live together so it's not like I can hide it from him when he already has my account #. We made a deal that he could use it as long as he put money in to cover whatever he uses it for. But everytime he uses it he never puts money in and than my account gets overdrawn. Should I close out my account and open a new one without his knowledge? We discussed it and I thought we both agreed but obviously not.I do love him but just not the way he handles money.
2006-09-28 05:24:02 · 17 answers · asked by farmergyrl23 4 in Family & Relationships ➔ Other - Family & Relationships
Um does he have a job or any of his own money ,or his own account. I would close the account and open a new one in your name only. Then when you marry mr irrisponsible you can discuss a joint checking account , one where he also contributes his paychecks to the account.You need to get a real handle on finances before you get married though. Whos going to pay for what expenses. About having individual or joint accounts, about paying back money you take ect. Theres more involved than love when choosing a life partner and one of those things is being responsible with finances , as your future will depend on it.
2006-09-29 04:04:43 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I'm not sure where you live and what the bank rules are but no one can use an account without their name on it anyway. It's stealing either way. But before he recks your credit willingly or not you need to tell him to not use it anymore. If he has a debit card, cancel it or cut it up. You can always ask your bank for a new one. Checks are tricky....the have to be sign. You can threaten charges for forgery on a personal check. Take the cards and checks with you when you leave the house. Why hide the stuff when all you have to do is remove it from his access? If he wants an account tell him to open one. I'm going to guess he can't because of writting bad checks once. This should be a major clue to you. If he needs something and has no money tell him you'll go get it or go with him and make sure he gives you the money before you walk out the door. Be the responsible one if he won't. You have choices to make and make them wisely.
2006-09-28 05:31:00 · answer #2 · answered by Baby girl 3 · 0⤊ 0⤋
Now what do you think. Duh you should close it and open another. I would tell his *** that the account was so overdrawn I had to close it. It seems as if you are a crutch for him. You give and give and he takes and takes. I am not knocking your man or putting him down I am just simply giving you a heads up before you find yourself broke and paying the bank or having that on your credit. When he puts in he gets in. Ya know what I mean. oh and I know he is your fiance and all but you never get an account with a man till you are married.
2006-09-28 05:29:13 · answer #3 · answered by Miss T 2 · 0⤊ 0⤋
If you opened the bank account in your name only, you can tell the bank not to honor any checks written by him.
If it is a joint account, have the bank remove your name from it. Do not deposit any more money into that account.
Set up a new one in your name only - without him on it.
There will be gnashing of teeth and groans from him so just tell him he is on his own so far as bank accounts go.
This is a common problem. Many happily married couples have separate accounts because of this.
2006-09-28 05:35:02 · answer #4 · answered by moekittykitty 7 · 0⤊ 0⤋
If he's using your account without replacing the money then you need to close your account and get a new one and not give him the new information. If he gets upset that you did this then it will be obvious that it is time to let go.
2006-09-28 05:29:26 · answer #5 · answered by Anonymous · 1⤊ 0⤋
you're conscious that with this joint checking account in case you 2 break up he can empty out this account and you will not have a say? Why might you place your self in this place? in case you have been married he might purely be entitled to 0.5 of what's in there yet being single he can take all of it. Frankly i don't locate that very bright. in the tip he can stroll away taking all the money (aside from your $20-$30 "emergency" funds) and bypass away you status with all the expenses to pay.
2016-10-18 03:27:48 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Why does he have access to your checking account to begin with, if you aren't married?? I was married for 13 years and my husband and I always had our own checking account(s). I put my money in mine, and he put his money in his... We split the bills, we never had money issues, EVER. (that's about the only issue we didn't have) I paid my own credit card bills, he paid his own bills. I just think with the way that things are today, with a double income family, it makes sense to be responsible for your own. I wouldn't go open an account behind his back, I would be right up front with my intentions. If he works, he needs to spend his own money!
2006-09-28 05:32:34 · answer #7 · answered by lil_rowdy1 3 · 0⤊ 0⤋
Well first of all he needs to open his own checking account and stick just to that one. And if your checking account is a Joint checking account and his name is on it then you need to take him off. However if his name is not on the account that you need to switch banks because by no means necessary should he be allowed to take money out of the account if he is not a signer on it.
2006-09-28 05:28:32 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Well, simple problem, so a simple solution: get access to his checking account. Each time he withdraws money from your account, transfer the amount from his account back to yours. If his account then gets overdrawn, it's his problem, not yours!
2006-09-28 05:26:17 · answer #9 · answered by pete_can_do 5 · 0⤊ 0⤋
Start holding out your hand. Say hey I'm missing 25 dollars from my checking account. Pay up buddy now! This is not good. I think he's taking advantage of you. You better talk to him about it or it's going to get worse.
2006-09-28 05:28:23 · answer #10 · answered by aimstir31 5 · 0⤊ 0⤋