A teller named David finished up with a business customer, stamped a deposit slip and waved me over.

I handed him my driver’s license and my debit card.

“I need a cashier’s check for four thousand dollars from our joint health savings account,” I said.

“It’s the account ending in four four zero.”

David swiped my card through his reader and looked at his screen.

He tapped the space bar a few times.

He cleared his throat.

“Mrs.