So, I have been depositing checks for the past week into MY account (not a joint account) with no problem at any of the braches of TD bank. So yesterday I go to the one I normally use on a regular basis and they refused to deposit unless we open a joint account which we are NOT planning on doing. Anyway I go to a totally differnet locationt today and NO PROBLEM. So moral of the story -- even with the same silly bank differnt branches play by different rules!