I'm not sure if they said in the movie that the husband's social was on the account, but if it was, why would the wife do that? That was her private/secret account. She wouldn't make that a joint account.
And if he wasn't on it, that teller had NO right to tell the person in front of her who ISN'T on the account what someone else has - no matter if they are married or not. Big banking no-no.
He could have just as easily found the statements at home hidden away which is what he did.
shareHe found the statements after he knew there was something to look for.
I went back and watched the movie again and it appears the only social on the account was his wife's. That teller had no business giving him the information on that account since his name/social was not on the account. Even in a commmunity property state the teller cannot give out that sort of information.
The money in the bank... With regard to the "hidden account", Chris would never have known about the money had he presented the teller with a withdrawal slip for a specific account. And the teller giving him a choice between the 2 accounts tells me that the accounts were linked to each other; if the primary account was a standard JTWROS (Joint Tenancy With Rights of Survivorship), and financially linked to the second account (for funds transfers, overdraft protection, etc) carrying the wife's name and was under the same SS#, then he had legal access to the second account by way of performing an electronic funds transfer (EFT) over the phone from one account to the other: All he had to know was the account # and the bank routing#, if it was needed. Joint bank accounts assume equal ownership of the money within, regardless of who puts in how much money. So, even though Andrea actually deposited the funds, Chris didn't steal money that was legally his. Which is why it is NEVER a good idea to have joint accounts.
shareThat's exactly what I said. Why would the teller even tell him, when it is not even his account? Doesn't matter if they're married or not.
shareI thought about this when I was watching it too, but I let it slide. There's no way a banker could do that in real life unless the account was joint, which wouldn't make any sense. Still it was a really good movie.
shareyeah i also noticed this, and why in sane hell, would you put it on a joint account, you would go to another bank or something
shareI just watched it & the banker asked which account was he checking on because both social security numbers were attached to both accounts. When he asked which account, that should have gave the teller an idea that he knew nothing about the other account.
shareI think she had it set as a joint account because she had a kind cockiness to her and seemed like she believed her husband wasn't smart enough to figure she had another account attached.
shareIt was her cockiness that got her into trouble. I don't think that she ever thought that Chris would figure it out either & that's why she didn't bother to have a separate account.
shareIt had to have been a joint account, otherwise Chris wouldn't have been able to clear it. The previous poster was right, Andrea was much too cocky in thinking that Chris would never find out.
shareI'm SO glad this was mentioned; this bugged the heck outta me and I ran here to see if anyone else complained about it. It had nothing to do with Andrea being too "cocky" in thinking Chris wouldn't find out. How dumb would he [Chris] have to be? If someone has access to withdraw money from an account and to make deposits, they are going to know there's another account connected with that one. It was just pure, lazy, sloppy writing-as is per Tyler P's trademark. This really ticked me off..did he really think audiences would NOT catch that glitch?? Very sloppy and sophomoric, Tyler!
I'm sick of followin' my dreams; I'll just ask them where they're goin' & hook up with 'em later.
Nah, Andrea was cocky. She kept saying how weak Chris was & she thought that he was stupid. I'm betting that she thought that he would never catch on to what she was doing w/the account.
shareI understand the character was supposed to be weak and gullible, but you would have to be mentally challenged not to be able to detect another account under an existing account in which you have access. I'm chalking it up to sloppy writing, as is Tyler's trademark.
I'm sick of followin' my dreams; I'll just ask them where they're goin' & hook up with 'em later.
Are you talking about Chris or Andrea? Remember Andrea didn't think that Chris was that bright. She literally gave him no credit. Some people are like Andrea that think that they can do what she did because they think that the other person is too stupid to catch on. She was too arrogant to think that Chris would ever catch on.
shareWell, if that was the case [which I'm sure it wasn't], it would be extremely insulting for Tyler Perry to make a character that is THAT stupid. Here we have a man, who, although is a contruction worker and works with his hands, is savvy enough to want to own his own business. You mean to tell me that a man like that would be *that* much of an imbecile that he wouldn't be able to detect another bank account? You'd have to be short of retarded not to know that there is more than one account linked to the one in which you deposit and draw money out of each day. Anybody who's ever had a bank account should be able to see how ridiculous this angle really was. It had nothing to do with her thinking he was "weak". It had everything to do with Tyler counting on the fact that the sheep [his fans] would overlook this weak, shoddy glitch in his writing. I'm personally appalled that anyone would buy this sophomoric garbage.
If we were to believe Chris possessed the gullability of a 10 year old, then Tyler should've made him a HS dropout with no sense of business awareness--it would've looked a helluva lot better.
I'm sick of followin' my dreams; I'll just ask them where they're goin' & hook up with 'em later.
Well I see it differently, so we'll just have to agree to disagree and leave it that.
shareOr, here's an idea, guys- maybe the account went unnoticed because Andrea provided Chris with his pocket money, making it unnecessary for Chris to actually go to the bank. I see her as enough of a control freak that she would look on giving Chis money out of her own pocket (so to speak), as just one more reason to view him as weak and ineffectual. I got the feeling from the storyline that Chris and Ben had been out of work for a long time, and the spouses were supporting the households alone; Chris went to make a cash withdrawal because he happened to be in the bank that day, talking to the loan officer. It might also have been the case that the account had been recently newly set up, and the teller (who should at least be reprimanded if not fired outright) wanted clarification about which acct to use. But I think we can all agree that the 2 accts were linked to each other, or else Chris would have had no access to the larger acct.
Truth is, everybody is going to hurt you; you just gotta find the ones worth suffering for
Well the reason why I think that Andrea got sloppy & didn't give Chris much credit because it happened to 2 of my friends. Without going into it, one in a similar case & the other w/a credit card. Not to be mean, but on some things my friends aren't too bright & that's why they get taken advantage of sometimes. But they both are when it comes to finances. Their boyfriends took it for granted that they weren't completely stupid. This is why I wasn't surprised about the whole Chris & Andrea bank thing. Andrea thought that Chris was stupid & weak & thought that he would never catch on. It was something about her being with William, she became arrogant & thought that she would never get caught.
shareWhat??? You are not making any sense and I highly doubt your friends went thru a similar situation. So you mean to tell me Andrea INTENTIONALLY put Chris's name on her SECRET account holding over 100k because she was confident that he would never take the money,KNOWING damn well he wanted to start his own business one day?? Thats crazy. Thats like a mother hiding a loaded gun in her child's toybox because she is confident he will never find it. Get real. Perry is just a sloppy writer. Stop making excuses.
shareWhat do you mean that I'm not making sense? I will give you an example. My friend had a joint account and was expecting a refund from the IRS, but it never came. She wanted to call the bank, but her husband told her not to because he was scared that the IRS would go after them. She didn't want to let it go, so she went to the bank and clarified what happened. It turns out that her husband forged her signature and stole her money. My friend isn't too smart on some things, but she is very smart when it comes to her finances. My mother always taught me to have my own account even if it had to be a secret one.
BTW, I wouldn't necessarily call Andrea's account a secret. She just used the same bank and had both accounts on her and Chris' SSN. You need to watch the movie again. She basically gave Chris no credit and thought the man was stupid! People get sloppy if they don't think that people will catch on. A smart person would have put the money into a different bank with just them by themselves.
A smart person would have put the money into a different bank with just them by themselves."
Uhhh exactly!! Thats why Perry is a sloppy writer! No woman as educated as Andrea would have an account in the SAME bank to begin with....duh.