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joint bank account

missK Posted:

joint bank account

Any one know if you get a joint account before the wedding with you maiden name how that would effect you when you get married and the checks say, ' Mr& Mrs X'.?
Could you still deposit even though your acct has your maiden name? I want to make sure I have that knowledge way before Just so that I dont leave it off my list.
TreAnt425 Posted:

Re: joint bank account

We opened a savings accout together when we got engaged - we actually added my name (maiden) to DH accounts. I was able to make deposits and withdrawals and all that. Then after we got married, I went to the bank and changed my name on the acct.

futrmrsblt Posted:

Re: joint bank account

we have a joint account... (acutally his with my name added....) and we got mostly checks written to mr & mrs. x... and just he signed it... and they went in no problem
rkl1130 Posted:

Re: joint bank account

It should be no problem as long as it's signed by your FH too.

Kara and Todd Posted:

Re: joint bank account

It won't be a problem - As long as there is a signature on the back, they will likely take it.

To be honest, I usually don't sign deposits - I just write 'Deposit Only ' + the bank account number. I don't know of anyone who had problems with this.
FalNBill Posted:

Re: joint bank account

We also opened one when we got engaged. right now both our names are on it and we can both write checks, deposit & withdrawal with no problem. When we get married we plan to change it to Mr. & Mrs. White. It shouldnt be a problem, we had already spoken to our banker about it.

LaurenluvsTJ Posted:

Re: joint bank account

I had to sign both names on the checks.

angnick Posted:

Re: joint bank account

we opened one when we got engaged.

jsta76 Posted:

Re: joint bank account

Posted by FalNBill

We also opened one when we got engaged. right now both our names are on it and we can both write checks, deposit & withdrawal with no problem. When we get married we plan to change it to Mr. & Mrs. White. It shouldnt be a problem, we had already spoken to our banker about it.


We're planning the same thing, we opened up a joint checking account as soon as we moved in together a year ago. If we keep that account open (we might switch banks), we'll just change the name on the checks, otherwise we'll probably keep what we have until we move.
MattsBride Posted:

Re: joint bank account

We opened a joint bank account when we got engaged. You can just write 'For Deposit Only' on the back of the check with your account number. It is no problem to change your last name on the account after the wedding, you just need idea and a copy of your marriage certificate. You will more than likely be putting in the wedding checks before your name is changed, but don't worry it's no problem!

HTH!
portjeffbride Posted:

Re: joint bank account

I think you're wondering about having to re-order checks with your new name, vs being able to use up the old ones before re-ordering...

Frankly, I don't know. I have been procrastinating on changing the address on my non-joint acct for AGES becuase I have all those checks to still use and I'm worried they'll make me reprint with the new address.....

We have a joint acct now, but I'm not changing my name, so I don't have the name change problem,.... only the address change...
the future mrs m Posted:

Re: joint bank account

We will be doing the same thing in a few weeks.

Julybride08 Posted:

Re: joint bank account

You can still make deposits to the account. Just when you go in tell them tha tyou got married and they will change it for you

denadewolf Posted:

Re: joint bank account

I have gotten checks already for my maiden and married name and I am not even married yet. They accept both as long as you tell them (chase)

LB and DC Posted:

Re: joint bank account

guests should know not to address the checks to mr and mrs x... but some do - most banks will let you signs for them, but make sure FH - then DH - signs too, or i don't think they will clear. ask your bank - i'll bet they deal with this all the time!!

ChristineAaron08 Posted:

Re: joint bank account

I would check with your bank, but I think you may just be able to show a copy of your marriage license when depositing the MR. and MRS checks. Why the heck do people write checks to Mr and Mrs. anyway? They know you need time to change your name and all.

We got a check from someone 2 months ago for our engagement (which we were very grateful for), but they wrote it to MR and MRS Aaron 'X.' UMMM- she wont exist until 4/6/08! Luckily, the bank just took it.
LitBallerinaGirl Posted:

Re: joint bank account

It's so sad to say, but DH and I have a joint account and we put money in there only to pay our bills. Other than that we have our own accounts and pay our own bills. For example
I pay
My student loans
My cell phone
My car payment
My Credit Card Bill

DH pays
His cell phone
his car payment
his credit card bills

Money goes into the joint account
Car insurance (because we are on one plan)
Morgage/Property taxes
Utilities.

I have friends that pooled their money together the second they got engaged... For some reason I like knowing where my money is going. DH and I each have a checking account, a savings account, and then a joint.
We know how much money is in each others savings accounts, but our checking accounts are for us to do what we want once our bills individual bills are paid.
MattandTricia07 Posted:

Re: joint bank account

as long as your FH's name is on the account and he signs them, they will go in.

gigles319 Posted:

Re: joint bank account

I work at a bank and I advise you too open a joint acct. because you are going to get checks made out to Mr. & Mrs. and once you get your marriage Lic. you can change your name

missK Posted:

Re: joint bank account

Thanks for all the replies. My SIL had a problem in the bank even though they knew who she was and that my brother and her were getting married. I dont know what bank it was but I wanted to be prepared.

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