In general, you need your spouse's consent to remove them from a joint account.
If you authorized the bank to make the transfer to the merchant on your behalf, you need to revoke your authorization with the bank. You will need to notify your bank at least three business days before the scheduled date of the transfer and inform it that you wish to stop payment.
Answer: Probably not.
The only way you can take a joint account holder's name off the account without permission is if your original contract with the bank specifically allows this—but most contracts don't and yours probably doesn't.
Visit the nearest branch of your bank.
Most banks require you to request the removal of someone from an account in-person. You don't usually have to go with the other person or people on the account if you just want to remove yourself.
Separating your joint accounts
With the agreement of both account holders, we can help you close your joint account. Or, you can request in branch to remove the second person from your account.
However, either party can also close the account, which an authorized signer does not have permission to do. Additionally, an authorized signer's access to the funds is revoked upon the owner's death.
A signatory cannot authorise the removal of another signatory from the account (Unless the authorising signatory is the Account Holder). Any individual named as an Account Holder to a Joint Account can request to change the operating rule, so that all Account Holders must operate and sign together.
You can't switch a joint account into a sole account until the second party has been removed from the account.
Both state and federal laws prohibit unauthorized withdrawals from being taken from your bank account or charges made to your credit card without your express consent having first been obtained for that to occur. Some laws require this consent to have first been obtained expressly in writing.
Instead, you'll have to reach out to a user who's verified on that bank account to add or remove other users. Users can't remove themselves from a bank account.
Call and write your bank or credit union
Tell your bank that you have “revoked authorization” for the company to take automatic payments from your account. You can use this sample letter . Some banks and credit unions may offer you an online form.
When a cardholder contacts their bank to dispute an authorization hold, the bank will simply contact the merchant and ask them to remove it. Authorization holds can also be used to help identify fraud before processing a transaction.
Click 'Pay' option for the account your payee is saved against - this is the account you paid them from when you selected to save their details for next time. Click 'Manage your payees' - top right of list of Payees. Select the payee(s) you wish to delete, you can delete up to five at any time. Click 'Delete payee(s)'
Using Power of Attorney to Close a Bank Account
To ensure the agent has the authority to close a checking or other bank account, the power of attorney document should include specific language stating that the agent has the power to “close bank accounts” or “terminate banking relationships.”
Either party may withdraw all the money from a joint account. The other party may sue in small claims court to get some money back. The amount awarded can vary, depending on issues such as whether joint bills were paid from the account or how much each party contributed to the account.
Contact your bank to be sure of their policies for removing an account holder—while some banks allow this, others require the entire account to be closed. You may also need to supply the written permission of the other account holder to remove yourself.
It's also possible to remove yourself from a joint bank account without closing it. All account holders need to agree to any changes in the account's ownership. You may both need to be present at a bank to request these changes.
How do you change a joint account to single? Most financial institutions don't allow you to separate or change a joint account to a single owner. You will likely need to open your own separate bank account and close the joint one.
REMOVAL OF AUTHORISED SIGNATORY RESOLUTION:
Any company can remove bank operation authorised signatory at any time through the resolution passed by its directors. Key-points to be covered in the resolution to remove the authorised signatory: Date and Place where resolution passed. The Bank name and Branch name.
To remove an authorized user, call the number on the back of your credit card to reach the card issuer's customer service number and request the authorized user to be removed from the account. Some credit card issuers may even allow you to remove an authorized user online or via the company's mobile app.
Authorized signers can typically write checks on the account, use a debit card to make purchases, withdraw cash at ATMs, or make withdrawals in person at bank branches. If your bank gives you the option, you may be able to limit the types of withdrawals an authorized signer can make.
You can typically remove yourself as an authorized user on someone else's credit card, even without their help or approval. Call the number on the back of your credit card to request your removal.
Most of the time, the bank is going to require you to open a new account in your name only, if you really don't want to involve the signer in any way. Otherwise, you are going to need to get the signer's signature on paperwork approving the account change.
A credit card co-signer is someone who agrees to be legally responsible for repayment of a debt. However, few credit card issuers actually allow co-signers on their card products. Authorized users get access to their own physical card they can use, yet they are not legally responsible for repaying charges.