That's a matter of state law and deposit contract language. If the surviving account owner actually owes you for withdrawing the August payment, you may have a right of offset against the other account.
Check the Green Book Reclamations section to see whether you have any reason to challenge the reclamation request.
_________________________
John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8