If not, then she needs to go to the bank this morning if it is open. If they are not open this morning, she needs to go first thing Monday morning, even if she has to go into work late!

Just keep in mind that she will have to keep funds in the account if she has items that are in the process of clearing or checks written that have not cleared yet. If she closes the account and items bounce, she is just as responsible for them as the husband is.

She can then turn around and open an account that is only in her name. By law the bank will not be able to tell the cheating husband that she has reopened an account just for herself and he will have no access to the funds at all.

The account would have to be set up for dual signatures for both of them to have to be present to close the account. Meaning that all along the account would have required both of them to sign checks before paying a bill. This type of account is very rare these days as many checks are clearing electronically and banks are not even seeing the original checks anymore.

While each financial instutions work slightly differently, have your sister contact her bank chances are that there is something written in the disclosures that she was given at the time of the account opening that states that either can close the account. These disclosures are required to be given out during the account opening process are federally mandated regardless of what state you live in.

SDguy