Opening joint bank account? Thoughts??

Fh and I have a joint account and have for nearly a year. We really thought of the money we earned as "our money" and it was a headache for us figuring out how much to take from each of our super ate accounts to make sure that we don't accidentally take too much from one or the other. It's worked out for us. Our wedding account is my savings account though (just because we didn't want the hassle of opening another account, so we just kept it). It's worked with us, but we both are very transparent when it comes to our spending.

We added each other as joints to all our accounts a few months ago. FH just got a new job and made the direct deposit go into my (now our) checking account and we are using that as our main account for everything.

We have separate accounts and then we have one joint account for living expenses. I manage the account from a bill pay perspective, but we both put money in. I also have a money market account for wedding related expenses that we both have access to, but it's only in my name right now. With my ex, we started out with joint accounts and nothing else. It ended very badly. I think if you decide to do just a joint account, one should be in charge of balancing it, but both should communicate all purchase decisions. That said, I personally found it way too difficult to have just one account combined. I like that we have one joint and two personal accounts, so we can each have our own "spending" money and not have to worry about constantly communicating daily expenses. Everyone works differently though!

FH and I have a joint bank account but we also have our own separate accounts. However any money that comes in is "ours."

I want to combine our accounts now, since we're buying a house in like 3 weeks. It just seems easier. FH wants to wait until we get married. He doesn't know why; he just feels like we "should".

I accused him of being afraid that I'd spend all his video game money on coffee creamer (I'm obsessed with having like every flavor ever of coffee creamer).

If it makes him feel better to wait 5 months, though, then we can wait 5 months.

We've had a joint account for over a year before we were even engaged. It's just easier paying everything from one account.

We opened one together this weekend. We figured that we will use it to save money for the wedding and pay for our vendors from this account. Once the wedding is over we will use it to save for and pay bills or to save for a vacation fund.

We will be having two joint accounts - one checking and one savings. And then each have a personal checking account. FH wants to do it this way so he can still surprise me with presents, because I check all the financial accounts daily and would see a charge to Edible Arrangements or something hahaha. I like doing it this way because I have student loans and car payments, and don't want that stuff to infringe on his accounts.

We haven't done it yet because we're waiting til we get married so we can do it all through USAA.

FH and I have had a joint account for almost 2 years now. We decided when bought our house that it just made more sense. The only time it is difficult is when you need to purchase birthday or Christmas gift.

FH had to do a bunch of side jobs at work to save up enough money to buy my e-ring so there wouldn't be strange amounts of withdrawals from our account.

FH and I are looking to opening a joint account for all bills to be auto-paid from - we would each have part of our paycheck direct deposited into that account. I think that's what would work best for us, that way we're not paying from one of our accounts, paying each other back, making sure everything's even...it's a pain.

We opened a joint checking account as soon as we got engaged. Its really convenient being able to save in one account for the wedding, know what bills are being paid, and not have to half and half our household bills.

We have a joint account and right now we mainly use it to pay for stuff for the house and for when we go out. I have set up a that a part of my paycheck goes into it as direct deposit, so we can avoid account fees.

We also opened it to prove that our lives are actually joined as we'll have to go through some legal stuff after we get married so I can get a Green Card etc.

ETA: We both have our own accounts as well and I think we'll keep that after the wedding. It's nice to have some of your own money.

Before we were married and just wanting to track and pay for wedding expenses, we opened a joint savings account and drew from that. Now that we are married, we're still in the process of consolidating. We still have our joint savings but have our separate checking accounts still. Eventually, we will consolidate our credit cards and checking accounts, but for now it seems to be working just fine. We both use the joint savings account we initially set up prior to the wedding as our main savings, so we each put money from our checking accounts into it each month

FH and I opened a joint account that we both contribute to in order to pay for the wedding. It's worked out well so far, and we made an agreement going into it that we would just do a 50/50 split in the event that anything happened. We just wanted to cover our bases, even though that probably sounds bad. Our bank will be easy to change my name at after the wedding.

Edited: We still do have 2 separate checking accounts that we have direct deposit for, but we transfer money into a joint account.

Separate accounts with direct deposits and one joint for joint bills. It works for us.

We have a joint account that we each deposit a specific amount of money in each month for all of our household related bills (rent, groceries, utilities). I usually pay all of our bills (just for consistency) but FH can view the account online at any time. We also have separate personal checking and savings accounts. For the wedding, we are using our separate checking accounts to pay for expenses (50/50) but tracking all money spent in Excel. It works for us. After we're married we've discussed depositing the majority of our pay checks into the joint account and pay for all expenses (everything from rent to student loan payments to insurance) and use our separate accounts only as "spending" money.

Edit for typos.

FH and I got a joint account about 9 months before the wedding. Let me tell you it was not easy easy at first but now I am glad we did. It actually helped us to stay on task with our finances and taught us how to budget our bills as a team. Seems like one less thing to get used to after the wedding.

His, mine and ours. I like the idea of a joint account for the household and joint savings. But I like my independence too. I don't want either one of us to feel that we have to be accountable for every cent we earn or spend.

We opened a joint account this past December

FH and I have our separate checking accounts, but we ahve a joint savings JUST for the wedding (for now, after the wedding it will be either emegency fund or house savings)