<prompt> Human: I filed married joint only my 1 US income, 2 foreign incomes for the 1st half of the year, and for whatever reason, the IRS sent a check to J. Smith J. Doe instead of John Smith and Jane Doe my husband and I have different last names. Capital One wont accept the check because The payee name doesnt match the depositors... I mean, it does, but it doesnt.I also have another bank account, but its maxed at 2,500 for mobile deposits, and due to only working half the year foreign income exclusion and accidentally withholding as single, the refund is rather sizable. There are no local branches for whatever reason.Edited to add: My husband isnt in the country, doesnt have residency, has an ITIN, but I have a notarized copy of his passport from the local consulate and hed approve to open any account in his name... just cant be physically present.  <response>: I find banks to be pretty sloppy. Why not just repost it and see if it clears? 