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    I'm sorry, this is very hard to read. You might want to edit this for brevity and make the question very clear. Commented Apr 3, 2015 at 18:32
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    I think you should talk to an attorney about this; even if she had no other property to her name or estate otherwise, this check is her estate certainly, and would need to be dealt with as such. Commented Apr 3, 2015 at 19:12
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    Sorry Rocky, my brain is fried dealing with this...basically, why can't someone deposit a ck written to one person into a joint acct they own with others w/o having to endorse it? By opening the acct jointly with someone, aren't they taking responsibility for any deposits made, knowing any of them could w/d $? It's actually easier to take the $ out than put the money in, so how does that prevent elder abuse? Other banks let me deposit cks written to both me & my husband or just my husband, so long as I deposit it all. Commented Apr 3, 2015 at 23:01
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    When you have a joint account two people have access to the money in that account. It doesn't give one person full control over the 2nd persons money. Imagine a joint account for a parent and their college age child. The college student can't take the parents paycheck and deposit it into the joint account without the parent endorsing it. Commented Apr 3, 2015 at 23:11
  • A good example, mhoran, but it defeats the purpose of setting up a joint acct. My mother has me on her account, in case something happens to her. Now I see that I'll be able to draw from her acct., but if I have to deposit checks to get more $ in the acct., I won't be able to. If you can't trust the person to have access to your money, why are you setting up a joint acct with them? It IS giving both people control over both their money, so the bank should offer a different account if they only want to allow limited access. Parents can give their college student a debit card instead. Commented Apr 4, 2015 at 3:40