How do married couples formally put their names on checks?

Don't put AND or & or you both will need to sign the check.

John H. Smith or

Jane B. Smith

We just combined our accounts this past weekend and ordered checks, we just did..

His first name, last name

My first name, last name

Whenever we combine accounts, it'll likely just have my name because I highly doubt my husband will ever write a check.

Hell, I'm paying with checks when I can just to get rid of them.

Mr. and Mrs. don't go on checks. They are courtesy titles, not part of your legal name. As others have said, it is:

Jane B. Smith

John H. Smith

(or the other way round--it doesn't matter so long as both names are there).

Our plan is to just have

John A. Smith

Jane M. Smith

Address

Address

That's the way my parents' checks look, and it seems to work just fine But @Nancy is right, anywhere you can, use OR not AND because otherwise you both have to do whatever it is (sign a check, call the insurance people, etc...)

Our current checkbook just has FHs name because we haven't reordered yet. I sign them no problem.