does anyone know if i want to remove my husbands name from our checking accounts?

Question

will i have to get new account numbers or can they just remove his name??

i have power of attorney and its with my husbands permission i just dont want to close and reopen an account i want it to stay the same just without his name on it.

were not getting a divorce i just want to know if i have to close the account and open a new one or just remove his name he has some debt that might bring about a judgement and i dont want them to take our bank account

this is money he owes to a insurance agency now collections for workers comp it in his name only

Answer 1

If you don't give them a reason and you have the authority to do so (you are the prime holder of the account), they'll just remove his signature from their file.

If you're holding a "joint account", unfortunately that means that his signature is required for such operations (or some suitable substitute such as a death certificate or a power-of-attorney).

Since writing checks (usually) only requires one signature, you can request a new bank account and transfer the assets into it (with a simple check) to protect against the bank mistakeningly honoring the old signature. Clearly you'll want all checks to have cleared before you turn off the old account.

I am assuming this is a result of a divorce or death, right?

Answer 2

Sorry, your married and his debt is your debt. The best thing you can do is remove all the cash from all accounts... Before they put a lock on the accounts... If you have a large amount of cash on hand buy $5000 bank certified checks and make them payable to your self .. Then your the only one who can cash them... Then pay your bills the old fashion way with money orders or if the bill is local in cash and get a receipt.... I did this for three months till the divorce was final... The X also charged up over $4000 on the credit card... mBelieve me all the credit cards wer on hold unless the card was mine with out her name on a secondary card...

The answer to your question is NO they will not remove his name off the card... Close the account...
Creditors can put a lien on the house if it is jointly owned...

Answer 3

SCH has no clue about the Patriot act OR banking rules. The rules about removing a name have NOTHING to do with the Patriot act. That said, removing his name WILL NOT protect the money from a judgment. As long as the creditor can show ANY of the money in the account was his, they can still get the court to garnish the account. Your best bet is to settle the debt.

Answer 4

I'm from Canada and they can just remove his name at banks here. He will have to sign off on the account and after that it is no longer a joint account. Probably the same in the States.

Answer 5

If you are the primary account holder you should be able to just remove his name from the account.. The best thing to do though is to talk to your bank..They can explain what you need to do...

Answer 6

You don't say why you want it removed. If it is divorce, then you will have to have new checking accounts. If you just want his name off the account, you both need to go to the bank and have his name removed.

Answer 7

Due to the Patriot Act the only way you can remove a name from an account is due the the death of one of the account holders. Not even a divorce decree is enough to have someone's name removed from an account.

As a joint account holder you have every right to close the account and open a new one with out his concent. If he has direct deposit into the account his direct deposit will reopen the account if it goes into the closed account.

Answer 8

If you're getting divorced,yes.Any accounts,bills,vehicles,houses,or otherwise should be decided before things might get ugly in court.I have a former wife and just removed her name from the account.Debit cards,pin numbers,etc.,you probably want to change.Remember, while married he can legally say what's yours is his.

Answer 9

Not with out his permission, and or a death or divorce certificate