Just another little daily reminder of inequality.

[donco6]

So I was in a car accident a while ago, and I got a subrogation check from my insurance company (it was the other guy's fault.) Anyway, because the car is insured in an umbrella plan with my house and my partner's car, the check came in both of our names. Normally, not a big problem, right? But because we both have maintained separate bank accounts, and we are not married, we had a hell of a time depositing the check. The bank was insisting that it actually be deposited in an account with both of our names on it. Is that bizarre or what? But they said if we were married and had the same name, it wouldn't have been a problem at all.

I finally got them to put it in my account by taking Dwaine with me to the bank.

Has anyone ever heard of this?

[secondwind]

1. sorry to hear about that....no, I have never heard of this.

[gleaner]

2. No I have not heard of this .....

Normally only cashing a check and taking the money away with you would be a problem if your partner hadn't signed. But having a two party check signed over and ready for deposit should not be a problem.

Anyone has a deposit slip to your bank account and signs off on a check to you can deposit money to your account whether you are there or not. My husband was sick last year and our friend used to make deposits for me so I could stay at the hospital with him. When I was having financial trouble recently my sister made a deposit to our account by wire transfer from another state.

You might want to try talking to the bank manager on this and ask why they made such unusual requests of you. If you don't like what they say, maybe you should look into some other banks or credit unions. Sometimes you can speak loudly with your business.

[LuvNewcastle]

3. My credit union is picky about checks,

so I can see why you had a problem. With them, it would all depend on how the check was written. For example, was the check made out to Joe Smith AND Jack Baker or was it made out to Joe Smith OR Jack Baker? If it was written the first way, then the check would require both signatures in order to be deposited or cashed. If they wrote it out the other way, then you should've been able to deposit it by yourself. However, even if the check required both signatures, the check should have been able to be deposited in either account. A separate joint account shouldn't have been necessary. I would consider opening a joint account if I were you, with a minimal amount of money. It might prevent problems in the future.

[donco6]

6. And.

And we did both sign it - and I figured that was the end of it. The account with both our names on it was a new one to me.

[C_Lawyer09]

4. Holy cow

What a bunch of garbage!

[dsc]

5. I inadverntly caused the same problem for my best friend when he got married

I wrote the check to Mr. and Mrs. (last name). Turns out they couldn't cash the thing until they got back from the honey moon as the bank required proof of marriage.

[RetiredTrotskyite]

7. Nope. This is the first...

time I have heard of something like this. We recieved a check for a refund made out to us. My spouse has the bank account and we just endorsed it and depoited. Ditto when there is a check made out to me...I endorse it and write "for deposit only" and into the account it goes. This is a new one on me.

I get so tired of all the little reminders that we are not equal in this country. I guess I'm just sick and tired of heterosexual priviledge, period.

[mitchtv]

8. Wow! this is a first

I'd talk to them before I emptied my accounts.

[BenThere]

9. Lack of funeral rights turns mourner into gay activist

In the same vein, this was a pretty sad view on today's rights issues (from Rhode Island)

Lack of funeral rights turns mourner into gay activist
http://www.projo.com/news/content/GOLDBERG_FUNERAL_RIGHTS_11-15-09_S4GE9HC_v189.3988db7.html

[sui generis]

10. it's not anti-gay - it's anti-fraud

Unfortunately, yet another indicator . . .

Give the bank some props for working with you though. Most large banks have policies prohibiting discrimination, and specifically naming sexual orientation, both internally and externally.

What's keeping you from having a shared account? You don't have to give up your personal accounts - you can just use the common account for bills and shared expense.

[donco6]

11. Just another account to track

We've been together 14 years and haven't needed it yet. We do a reconciliation between our individual expenses separately. We split our bills and write checks for 1/2.

[DainBramaged]

12. My ex-wife and I had separate accounts, and almost the EXACT same situation

and the bank just said as long as she endorsed it to me, no problem depositing it.

Fucking bigots.



<----------------stupid Pukes.