Sad.Like money centers, do what ya want make own rules, my mom retired and grew up in a small store in early 90s.Today, your problem in usa.So we thought we had joint acct also. I file taxes, refund normal cpl years.This year you reject!I figured it out I think.If your not using you card or keeping $ they classify and penalize you. In our case, this one hurt.Bc we made mistake of thinking its for sure, 846, like always.Thanks for idea, small bus only that like your bus n what they do