My bank does the same thing. I deposit checks with my husbands name all the time and he is not on my account. Then I get a check from the government and they refuse. I told them I do it all the time and they said they would do it this once as a courtesy.
I'm having problems with Bank of America. I have a credit card with them and I knew I had a ton of available credit, but when I went to pay, it was declined. With identity theft so prevelant, I was worried. After getting transferred to a "financal specialist" I was told due to debt to income ratio, my credit limit was declined. Now, I have great credit, not one late payment or collection. I have been with this bank for 10 years as well as my husband has all his personal and business accounts there. I am on our mortgage and with disability, I have little income, so they reduced my credit by 6 grand. I was livid. I have never in my life been decreased. I didn't even know they did that. I thought since I was a good customer, paid on time, good credit, history with the bank that they would change it back, no go. They didn't even notify me and I was embarrassed when I tried to use the card. they could care less that we have all these accounts with them. The personal bank is long gone.