My husband has been deceased for nine years. I received a refund check from a credit card co. When I took it to the bank to deposit it they told me I couldn't because his name was not on my account so what do I do?
Banks are really strict now about what can be deposited into an account. Now, one cannot deposit even cash into another person's account. So, for example, one cannot deposit cash or a check into a roommate's account at the counter.
I was trying to deposit some cash into my own account the other day. The teller was wanting to know what my job was. I thought the teller was just trying to find information about me to convince me to open more accounts (such as a credit card). It turns out the bank started a new policy requiring tellers to ask about a person's job when the person deposits cash.
How is it that there is a refund nine years after your husband's death?
The simplest solution may be for you to contact the credit card issuer to convince it to send the check in only your name (if your name is on the credit card account). You may need to give the credit card issuer a copy of the husband's death certificate.
If you have a community property agreement with the husband that provides that everything belongs to the surviving spouse, a copy of that agreement may be enough to convince either the credit card issuer or the bank that the money is now yours.
If your husband's estate went through probate, you may have to re-open probate in the worst scenario.
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