Do you believe in a separate or joint bank account?

It depends on the couple. My parents have separate bank accounts but they never had trouble sharing their money. My husband and I have both accounts: a joint account and a separate account, and we've never had any problems sharing our money yet. (hopefully never he he he...) I know two of my friends have both kinds of accounts, as well. My parents have been married for almost 29 years now, so at least that's one legitimate fact that I can share here that it can work that way, too.

Well,me and my partner would use two different a/c, but we both know each other's pwd and would use each other's bank card by exchange.:) Andy

I don't believe in doing anything separately once you're together.You're funding the same dreams ,right?Paying the same bills,yadda.

We have separate accounts but we share the money. Ever since we have been together whats mine is his and whats his is mine. We just kept the same accounts open we had when we met but we have each others pass codes and share everything. I have friends that share all the bills 50/50 and keep there money for themselves and I always thought it was kinda strange and selfish like the one with more money can lord it over the other. I figure we are a team and we share. All for one and such...

Me and mine have a joint account because it just works better for us. When I was with my ex we had separate accounts but I also didn't trust him having access to my money. I think that couples should have joint accounts and it shouldn't be a "your money" or "my money" type thing.

seperate only. but still my spouse signs up with allth permissions from her. even if you open one differences wll crop up and it will not work out.so better to be a single account.speak the truth and then no problems will occur.

We have a joint account - all of our money is ours. We also have separate accounts, as well as separate credit cards. If anything happened to one of us, the other one would need money to do things until everything got cleared up. But we know each others' passwords, it's not like the money isn't shared. it's just money, after all. (On the other hand, we might feel differently about it if we actually had any money).

My husband and I like having separate accounts so we don't have to consult each other to make sure how much money is in the account every time we make a purchase. Since we're actually kind of poor, we could easily overdraw our account if we had a joint account and both of us made a purchase at the same time without consulting each other. It's just easier for us to have separate accounts because of that. I've known so many couples who have a joint account and seem to always have to be calling each other throughout the day or freaking out over something that happened on the account going "What the heck is this?" So I'd just rather not deal with that. If I have my own account, I know exactly how much money is in it at all times, and I never have to worry about overdrawing because my husband bought something at work or whatever.

We have a joint bank account also. its just easier to put all our money into one place. That way there aren't any fights over who has to pay what. all our money is in one place and we use it to pay for everything. We have also opened up a savings account for each of our kids and they can put their own money into there.

we have both in our house. i have my own account as here in canada we get a childs tax bonus each month and i have my account so it can go in there. but my paycheque goes into our joint account so we can pay bills etc...

My husband and I share a bank account. Why say, you pay rent, I pay the car. You pay for the groceries, I'll pay the phone bill. That is ridiculous really. If wee are paying the bills together, then why not have a joint account? It's fine if you want to have a separate account for savings, etc. (I don't we save together as well) But to pay bills, etc we have both our checks go into the same account. Been married 12 years and have yet to have a problem.

Mirita, I think it depends on whether or not you are making some of the money for the household. With the rate of divorce as rampant as it is saving a little nest-egg for yourself isn't a bad idea. Once you get a little bit of money together you then may want to begin investing in Stocks , Bonds, CD's (certificates of Deposit) or Mutual Funds for a greater return on the money than simple interest from a Bank.

Hi Mirita. I think if it works for you then it is ok to have both seperate and joint bank accounts. I transfer some money into a joint bank account each week which we use for bills and joint ventures. I also have a seperate account for my own and so does my spouse. If you have joint responsibilities I think a joint account is a good thing, but I also prefer having my own account as well for the things I need.

Hi Mirita, i think both of that have different effects. If joint bank account with spouse, we can know each other financial more easily. We can agree that each other save one part of our paid into the account, then our spouse wont spend the money widely.But if we want to withdrawal the money from account, there have some difficulties. We need ask the opinion from our spouse to do so. Sometime quarrel might be occured. But if using separate bank account, we have more freedom. We can use our money without the verification from our spouse, Thus, maybe for the person who spend more will more diffcult to save the money into the account..

we have both in our house. i have my own account as here in canada we get a childs tax bonus each month and i have my account so it can go in there. but my paycheque goes into our joint account so we can pay bills etc...