A few years ago I had trouble at a Bank of America, but now Bank of America again in the last two years seems to not care, and doesn’t question a deposit being made. All the other banks I go to I have no problem depositing money into someone else’s account.
In fact I don’t get ID’d at all when I make a deposit lately. It’s usually checks, but once in a while it’s cash. Almost never over $10k. The last time I deposited more than $10k I don’t remember if I had to show ID or not.
Some bank accounts charge a fee to the account holder if too many transactions are done. I wonder if that was part of the problem?