@sissylynn I think these things are usually outlined in an operating agreement. If you don’t have one, that’s mistake number 1.
If you’re a 49% shareholder and considered a silent partner why would you have access to bank accounts?
Having access to the books is another thing. You don’t need access to bank accounts to see what is going through the books.
Also let’s say you’re not a silent partner, I’d find it odd that one person has complete control over the bank accounts. And I would consider this a huge red flag.
Business bank accounts can be setup in such a way that there has to be authorization from 2 or more parties for transactions to take place.
If it was my business I would have 2 accounts. One would be an operating account, this would be for bills, payroll etc. I would have systems in place where all transactions much be accompanied by a PO and all POs have to be authorized by someone other than the person submitting them. This would be the same for payroll. Owners checks have to be signed by the other owner, there would be no signing your own check for payroll or disbursements.
The second account would be like a savings account and would be setup where money can only be taken out or moved with multiple authorizations.