Ihave my social security check and pension direct deposit in to my wife's account Iam not named on the account what so ever can't wright cheks not authorizied at all can this account be frozen got letter on aug 31 said do not change any thing at bank as of 31st but have been able to use debt card to get cash wouldn't this already be frozen as of 31st plus check her account on line every thing seems to be all right plus bills continue to get paid out of account thank you.