Thank you all so much for your help.

I'll echo Critter... we have 3 signers for the same reason. We have a policy that any one receiving a reimbursement cannot sign the check. If you can add one more signer and share your policy with your bank, perhaps their concerns will be satisfied.

I only wish our bank were as vigilant!

We have 3 authorized signers so there are always 2 independent signers. Dont' give up on your bank yet. They are actually doing you a service by verifying the 2 signer policy. Not all banks pay that close attention on their customer's behalf.

Most of the checks we write are to reimburse a member for an out of pocket purchase. We have some tight financial controls to minimize our risk such as the rule that no one can sign a check made out to herself and every check no matter how small must have a supporting transaction form.

Say to the bank mgr, teller, etc, "Thank you, maybe you would like to join as a board member (treasurer?)," then they'll see everything is on the up and up

Right, at this time there are only 2 people on the account, and I do appriciate them calling and checking on things, but to say we can only make checks out to companies, I don't think they can do that. We just don't work that way. We don't have a cash card for obvious reasons, I just wanted to make sure we were not doing things different than we should, but next month we do add 2 new officers, so I hope that will help!

Odd.

Let me guess. There are two signers on the acount. And a lot of your checks are one signer writing a reimbursement check to another and vice versa?

If you have very few leaders, that's almost bound to happen, but I could see the bank catching that as a red flag.

Up to you how you do your business, but I like a bank that's looking out for me.

Tim