When either of the below happens: * Not enough funds in the account to pay the cheque * Signature of the cheque issuer does not match with the signature in the cheque * Cheque is expired (Date of cheque is before 6 months from date of deposit) * There are any over-writings in the cheque without being counter signed by the cheque issuer.
Deposit it in your bank account, there will be no fee. If you don't have a bank account, you can open one with the IRS check!
You cannot. All banks report large deposit transactions on its accounts. Banks have the right to ask you for the source of the funds that you are trying to deposit into your account (Usually only for large deposits or multiple small deposits in regular intervals) This is done to ensure that money launderers do not use banks to legalize their illegal funds. So, the answer, you cannot deposit money into your bank account without being reported.
monetary policy
If it's made out in your name only, you shouldn't need your husband there. If it's made out to you jointly, it's probably something resembling fraud for you to cash it without his knowledge. If you don't care if he knows or not, it's just a logistics problem, you can have him sign the back before you go to the bank and just deposit it into your joint account... I've done this (well, in reverse, since I'm the husband) for years, since it's difficult for my wife and I to both get to the bank during banking hours.
Yes, if you know his bank account number. Deposit has no problem but withdrawal is not possible without authentic signature of the account holder.
no, without a signature there is no agreement of it.
Yes, he can do that. A joint account is equally held/owned by both parties involved in the bank account. So each party can individually initiate banking transactions that can be done by any other customer who holds a single operating account. So in this case, either you or your husband can do this change of address thing without each other's knowledge or signature.
no
On opening an account backs will normally ask for a small deposit to start the process.
No bank should honor an UNsigned check. Without a signature, the check amount and "payee" (to whom it is written) could be forged. Instead of risking getting into legal trouble, call or return to the check writer and ask for the person to sign the check.
You cannot withdraw from a fixed deposit account without cancelling the note, which will likely incur a cancellation fee...
no,
No, you cannot apply for a credit card in your husband's name without his signature and consent.
In Indian Currency you can deposit Rs.39,999.00 without a PAN card.
Yes there are. From personal experience I can tell you Associated Bank offers a free checking account without direct deposit.
Nothing unless you have a court order that says it is your money.