10+ years ago, we opened a DDA to an individual who simultaneously applied for an overdraft LOC. DDA was opened and LOC approved and set up. An number of years later the individual got married, the deposit staff added the spouse to the DDA, but no changes were made to the LOC. I realize that this should have been dealt with at the time the spouse was added, but it wasn't.
Question - Can we ask the added spouse to sign the note (through modification), or ask them both sign a new note? Are there issues with applying jointly (since the spouse did not sign the original app)? Should one or both sign a new application? Other thoughts? Thanks.