Reply to Joint Checking/Savings Account for Couple?

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[quote=Anonymous]We mostly use joint accounts, but it took a little while to get here mostly for logistical reasons.  We opened joint accounts at BofA, attached to the personal accounts I already had, soon after getting married.

But DH took way longer than reasonable to figure out how to switch over his direct deposit (I believe him that it was just not figuring it out), and I have still never gotten BofA to make that account available for using their Bill Pay despite trying for a very long time.

So at this point, we both have most of our direct deposits go to the joint account.  I put a small amount in my personal checking account, and I put some in our joint savings account.  DH pays mortgage, insurance, and joint CC out of the joint account, which pretty much depletes what he puts into the joint account.  I pay childcare, preschool, and cleaning service by check from that account.  I also pay the few bills that go through BofA (e.g. phone) from my personal account as well as a personal CC.  DH doesn't have a personal CC, but he prefers that I do since I do since I often shop online and end up returning things that don't fit and the fluctuating balance drives him bonkers.

We don't really have many expenses that we disagree on, so this system works for us (though I recognize aspects are a little byzantine for no apparent reason other than we're lazy).  Finances are also not very tight, which maybe makes this system easier to deal with.[/quote]

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