Bank Accounts....Have your own?

My husband and I have separate checking accounts, and a joint savings. It's just easier for us to balance things that way. We don't really have money to keep a cushion, and this way we can each keep up with our own, instead of having to worry about overdrawing if one of us didn't tell the other something they had spent right away. Basically when it's bill paying time, he transfers some to me, and I take care of most of that, while he covers the rent and any other stuff like food and baby supplies. It works out well for us to do things in this way.

We have separate accounts. I guess this works for me, I like having my own money, it gives me a feeling of independance. AND it minimises the conflict...we don't ever want to get into the 'why are we spenging more money on your stuff than mine' argument.

I don't mind having a joint account with my partner provided we each have our own separate bank accounts. What's mine is mine, what's his is his, and what we contribute to the joint account goes for our joint household bills, and other joint needs. I don't want us to combine all of our money, just some of it.

We have joint accounts. I like it a lot better that way, it just seems much less complicated now than it was when we both had separate accounts. Plus, since my husband is in the military, that way I can handle the accounts whenever he's away. That definitely seems to work the best for us.

We have our own seperate accounts and we like it that away. I rarely ever know what is in his and he doesn't know what is in mine. I do pay most of the bills but he gives me money if I need it for the bills. We have them divided up fairly well and I think that it works for us quite well as he makes more money than I do and that is fine with me.

We have a Checking Account and a Savings Account together. My husband has another Checking Account in his name only that he is paying something off with. We didn't want my name on it, because it is a debt of his and didn't want it to affect me in any way. All the bills are paid by me. He has direct deposit into our checking account and I cash my checks and deposit them there as well. I then use that account to pay for everything. I transfer $200 a month to his other account for the debt. I also transfer an amount to Savings every week as well.

I have 1 personal bank account, and i use it to keep my savings securely there.

We have a joint checking account too. We really believe in the concept of what's his and mine / mine is his. He makes more money but it's all our money :) I do all the bills too. I like feeling like I'm in control. And he'd just not rather had the headache of doing them LOL.

i do have my own bank account and same as with my husband..we dont have joint account..we prefer that way..but i am the one who manages the finances or the budgeting in the family which means im the one who keep the atm of my husband...i jsut only give him allowances..its our internal agreement since the very start..

HI daycarepal, me and my hubby is also having a joint bank account. all our bills, online payments are paid through that. and i am having a seperate bank account which my hubby knows. it is of that time when i was not married. but i am still continuing it. now i am married and living far away from the place too, but it is a saving account, so i dont bother. i keep on depositing in it, and once in a year when i visit it , i check out the formalities and all. i now check my account through my internet, and deposit my money through e-transfer. it is very easy and because i am having a branch of that bank here also , so i can take out the money if needed through any ATM or my cheque book. i do my personal spending by that and my hubby do not have any problem in it.

we have 2 joint checking accounts and 1 joint savings account. I have a separate savings account in my name only... it is what I got when I was a teen. I do not have money going into it regularly, I transfer money into it as needed from our joint account with the same credit union. (we no longer live in the state where that c.u. is) my husband's retirement is directly deposited into that facility. our local bank we just have a single joint checking acct. I am also co-member with the accts of two of my children, as they were/are underage.

My fiancee and I plan on keeping our accounts separate even after marriage. Both of us like our independence so we decide we would keep things separate. My fiancee pays the bills out of her account and I give her cash for my part.

Well, we have two accounts, one of which is linked to a savings account that builds up (slightly) every month. I also recently opened up another account because the company I currently work for deals exclusively with them. (It wasn't that I wanted to open another account, I HAD to open one in order to get paid).

My partner and I have seperate bank accounts but we both know each others passwords and all of that so we can get into either bank account if we want to, and we also have our home loan which is in both of our names and that is where all of our money and savings are, we can redraw on it whenever we need to, I have never really seen the need to have a joint bank account as I can transfer money from his account to mine in about 30 seconds on the internet and visa versa

no we share are money I make it and she spend it ant that the way it Supports to be

We have separate bank accounts in separate banks. He felt it best to do this, not sure why. But, I am happy that he did because he has a habit of overdrawing his account!

I learned after my first marriage to have separate accounts. When my first marriage ended my ex left me with a burden of bills and I had to shut the account down so he couldn't take the money... and he cut off the credit card. My current husband and I have separate bank accounts in separate banks. We did have a joint savings account in a third bank but we got so tight on money we had to close it. It would be different if we both were working, but I have been unable to work since developing fibromyalgia 10 years ago, so sometimes I think me having a separate account is a little ridiculous. But did receive inheritance and an insurance settlement and that money was mine so I was glad to have it in my own account. I don't have overdraft on my account so I have to be careful. My husband, on the other hand, has overdraft and is always living in the negative. Plus he has a line of credit... well, now WE do because we had to extend it and put the house up for collateral. *sigh*

My husband and I share everything including bank accounts. All our possessions are in both names also. That way if something were to happen to either of us, the other would not have problems with the checking or the bills. Life is just too unprecictable to not have it this way.

My husband and I have all joint accounts. We don't have an actual savings account right now, but my husband does have money taken out of his check every month for the Thrift Savings Plan. And one of our checking accounts draws interest as long as we keep the balance above $300. I stay home with our son, so it wouldn't be very fair to have separate accounts. I wouldn't have much money in mine! lol It also means money is tighter now that I don't work, so it would be harder to get stuff paid if we were constantly worrying about the different accounts. The reason we have two joint accounts, is mostly so we can try to save some money in the one that has the $300 minimum balance to earn interest. We keep it above there, and have some deposited out of his check there, but that's it. It's easier to get to if we need it than a savings account would be.

I have my own bank account. I use for remittance because my father is in japan. Actually, i have two accounts but i closed my other account last month, for the reason that i don't like the service of the bank. Now i'm plannng again to open a new account so i can separate my savings.