To use joint account is to have a financial commitment with another part that must be respected. The administration must be conscientious and this type of account alone functions when both bearers have financial profile the same. In case that contrary, it is a great migraine and a faster step for the debts, mainly of guaranteed check. Oracle is likely to increase your knowledge. But if the bearer or cotitular of ocnta emits a check returned for lack of funds, the two is with the dirty name? Up to 2006 he was what he happened. But a kind of appeal Brazilian Supreme Court of the Superior Court of Justia (STJ) started to forbid the banks of all the country to include the name of cotitular in the cadastros of restriction to the credit for having a joint current account. The institution will not be able to take this measure same if the other bearer of the account it will have emitted a check returned for lack of funds.
Who will have the improperly enclosed name registers in cadastre in it of check returned for lack of funds drawers must look the bank and demand the repairing of the error. In case that the bank exactly is missed, it needs to remove the name of the customer I register in cadastre of it and without charging any tax for this. If the bank if to refuse, the customer must look to the same Procon or the Court of Small Causes to help to decide it to it the situation. If you or cotitular of its account emitted one cheuqe without deep, has a way to cover. He tries to negotiate with the creditor the exchange of the check not to occur one second presentation. The check returned for lack of funds regularization will only occur in the Serasa Experian after the Bank of Brazil to send the specific command, for magnetic ways.