My fiance and I live together and therefore, we use both our accounts to pay bills. Her account is at 5/3 Bank. We have lived together for 10 years and used this particular bank for 4 years now. My name is not on the account but for years i have deposited pay checks and other sources of income into her account both in person at the bank and through the ATM deposit using the Jeanie ATM and her debit card. One of these income sources is a check I get monthly for a small percentage of a buisness. I have received this check for around 6 years. We have deposited this check into 5/3 Bank almost every month, as we use her account to write the checks for the bills, and I deposit my share into her account to cover them.
Last week we went down to the Jeanie after work to make a deposit of this particular months check because it was past regular banking hours. We have done this hundreds of times before. The balance showed up immediatly and 100 dollars of it was immediatly available, as usual. We went home and the next day we began writing our bills.
Today, we found the check we had deposited in an envelope in the mail from 5/3 Bank. They decided after 4 years of accepting this with no comment whatsoever that they were not going to accept it because it isnt in her name, although she did also sign the check and was present when we deposited it along side myself. They told us we must do this in person from now on and informed us that they do not have to make us aware of these changes ahead of time. They used this excuse to bounce about 6 transactions and of course, hit me with a 33 dollar fee for each. I feel as if I have been robbed at gunpoint!!
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