We set it up that way when we moved back up here six years ago, we wanted it to be "untouchable" until we needed it.
The account used to be both a checking and savings account, but a few years ago we let the checking account stay at zero for long enough that it became inactive.
Hubby and I decided that since the twins are in college now, it might be nice to re-enable the checking account and just pay for any school costs directly rather than driving down to take the money out.
With that goal in mind, while Hubby was at Guard today I made a beeline down to activate the account.
A little history here, the account was originally Hubby's, opened about 25 years ago or so. When we got married (20 years ago) I was put onto the account.
I get down to the credit union, and was told that I did not have the authority to re-open the checking account. I asked the clerk why it took both of us to open it back up, and I was told that they didn't need me at all. Only Hubby could open up a checking account that tied into the savings account.
EXCUSE ME? Both of our names are on the account, but only Hubby can make any changes to it. Does this seem wrong to anyone else but me? The clerk went on to tell me that I couldn't open it up because I might be planning on leaving Hubby and "cleaning him out". I then asked why it was OK for him to open a checking account with the possible intent of leaving me and "cleaning me out", and I was told it was because he was the one who originally opened the account.
I was left speechless.
In fact, I'm so speechless that I can't even go on to write about #1 using a taser on himself after we left the credit union and went to my brothers.