E*Trade Bank Bank Account Or Service Complaint

E*Trade Bank Bank account or service department,

Checking account Deposits and withdrawals North Carolina

On -/-/2015 I received a refund check from the Pennsylvania treasury in the amount of $2500.00 via regular mail. I attempted to deposit it into my joint check account with my wife using Etrade mobile application check deposit. Initially it went thru but later I noticed that the bank rejected it and charged me - and upon calling the bank and asking why they told me that the check was considered 3rd party based upon my last name being first and first name being second. I was advised to just mail in the deposit with a deposit slip which I did. Etrade bank received the check on the -/-/2015 and I noticed that they did not deposit it, after calling, emailing and more calling I was advised that the check is still considered a third party because my last name is first and that due to new banking laws they can not deposit it. I was told to fax them a letter of instruction changing my name on the account and then they maybe could deposit my check. I provided a letter of instruction citing that my name is as it appears on the check with the last name being first. I was told that the check name needed to be changed in order to process it. I called Pennsylvania Treasury and was advised that this is something that they do not do and that all checks are issued with the last name first. I advised the bank of this and was told that there is nothing that they could do. Etrade bank also refuses to return my check citing they must hold it for 20 days before returning it. In the meantime Etrade bank is hitting with service fee 's in the amount of - each and to date there are $300.00 in fee 's that they hit me with because they refuse to deposit my check. I have also been charged - for the rejection by the mobile application. I do not have access to my funds and Etrade refuses to return the check.