lost joint bank account due to negligence. add myself to wife's account or open a new one?

[numptynyc 1]

Hello, transfering money joint account became a hassle and we eventually lost it. with ROC some months away we were going to open a new joint account or add myself to her account(she pays for most things out of her account as it is, i give her my share of the cash). which is it better? does adding myself to the account look bad? i mean we'll get the statements and checks with our names on it, right?

thanks

[NancyNguyen 1,657]

You can add now, but only few months won't help much. RFE is most certain for banking activities. You can explain everything on your cover letter. Good luck.

[Ms Hogan 295]

I think adding you to her existing account makes the most sense if it is a very active account. It will show the co-mingling of finances through all the activity as opposed to an account that you open just to transfer money to.

[numptynyc 1]

OK. thanks for the help. She'll add me to the her account.

[NancyNguyen 1,657]

Add names now to get few statement won't help much, RFE is most certain for few recent statements.

[Ms Hogan 295]

Add names now to get few statement won't help much, RFE is most certain for few recent statements.

I don't think it is necessary to write ANOTHER negative post to the OP. You have already made a negative response letting them know they are likely to get an RFE. Let's try to be supportive of each other. Isn't that the point of these forums? Support and assist. The OP knows they are in a situation here and are trying to reconcile it by getting ahead of the process and being as proactive as possible. The wording of your response makes it sound like they shouldn't even bother when this is actually their best option at this point and the best effort they can make. If they do nothing they are in way worse shape. If they at least have this they can present what exists and if they are given an RFE they can respond accordingly. If they wind up going to an interview they will have even more evidence by then. Yes, the history is lacking, but at least there is more evidence going forward.

To the OP... as NancyNguyen has pointed out to you TWICE, you may wind up with an RFE for so few statements. Dig deep and look for items going back the duration of you marriage so you have plenty of quality evidence to present when you file. Even if you lost the old account, you should still have old statements don't you?

[numptynyc 1]

I don't think it is necessary to write ANOTHER negative post to the OP. You have already made a negative response letting them know they are likely to get an RFE. Let's try to be supportive of each other. Isn't that the point of these forums? Support and assist. The OP knows they are in a situation here and are trying to reconcile it by getting ahead of the process and being as proactive as possible. The wording of your response makes it sound like they shouldn't even bother when this is actually their best option at this point and the best effort they can make. If they do nothing they are in way worse shape. If they at least have this they can present what exists and if they are given an RFE they can respond accordingly. If they wind up going to an interview they will have even more evidence by then. Yes, the history is lacking, but at least there is more evidence going forward.

To the OP... as NancyNguyen has pointed out to you TWICE, you may wind up with an RFE for so few statements. Dig deep and look for items going back the duration of you marriage so you have plenty of quality evidence to present when you file. Even if you lost the old account, you should still have old statements don't you?

Thanks for the support. I have to look if we have older statements. We do have the apt lease, bills, shes my 401k beneficiary, plus the supplementary stuff like evidence of trips + photos + junk mail + emergency contact at work. We were thinking getting life insurance this month and power of attorney. Shes not on my job's health insurance because it was too expensive for us, almost $300 a month to add her.

Edited January 31, 2015 by numptynyc

[Ms Hogan 295]

Thanks for the support. I have to look if we have older statements. We do have the apt lease, bills, shes my 401k beneficiary, plus the supplementary stuff like evidence of trips + photos + junk mail + emergency contact at work. We were thinking getting life insurance this month and power of attorney. Shes not on my job's health insurance because it was too expensive for us, almost $300 a month to add her.

Something I have that you could have maybe is if you have a PayPal account and can get a Debit Mastercard on that account you can add her to it. I happened to have that and had my husband on it. I know it is not GREAT evidence but it is an easy thing to include.

[numptynyc 1]

Something I have that you could have maybe is if you have a PayPal account and can get a Debit Mastercard on that account you can add her to it. I happened to have that and had my husband on it. I know it is not GREAT evidence but it is an easy thing to include.

I do have a paypal account, I'll look into that.