Legal Question in Banking Law in Arizona

Re: checking account and the patriot act

The bank may have an internal procedure to not accept third party checks into an account. The USA PATRIOT ACT requires identification of a banks customer and an understanding of the customers business and purpose of the account.

In this instance, your personal account is being used, I am assuming, as a family or household account. The restriction that they are imposing appears not be based in fact or in practice. Inform them that the direct deposit has been going on for an extended period of time, Identify for them the person involved in the transaction (your husband) and that the deposits are not only normal business for the account but regardless of the title on the account they are deemed marital community property under AZ law (AZ is a community property state) and that if this doesn't work find a new bank because the BSA Compliance Officer isn't sure of what he/she's doing.

There is nothing in the USA PATRIOT ACT that does not allow this.

Re: checking account and the patriot act

Because he could be Mustaffah Al-Zahkkary,worldwide terrorist. We don't know who he is since when you opened the account only YOU were properly Identified not him.

He needs his own acct or addewd to your acct (after providing full credentials)m