The sender field referred to our joint household account, not my company’s operating account, but I recognized the source of most of that balance.

During a profitable month I had moved money in to cover our mortgage and upcoming repairs.

Spencer had urged me to transfer more, saying an emergency fund belonged somewhere both spouses could reach it.

I had agreed because trust seemed more important than arguing over account permissions.

The bank’s app showed the transfer was pending review.

That did not prove anyone had committed a crime, and I reminded myself not to jump ahead of the facts.

But it gave me a practical next step.