My wife and I both have accounts with SANTANDER, yet they refuse to deposit our validly co-signed fed refund check into my wife's account. Even with me standing there with 2 forms of ID (plus my bank checks). FORCED us to open joint account (which may have unwanted ramifications on our Calif tax return with respect to my earnings otherwise not subject to Calif tax). Filed complaint with state banking board, as others should do when banks exceed their authority under the banking regs. Easy, online
