Bank Accounts

I'm not sure which accounts to keep and what to combine.

Right now DH and I have individual checking and savings account and recently set up a joint checking and savings. Should we just combine the majority of our individual savings?

Re: Bank Accounts

We still have our individual checking and savings and then we have a joint savings. DH has part of each of his paychecks go into the savings and I pay the bills from my checking. It's a weird setup, but it works, lol.

Re: Bank Accounts

We have a joint checking account and a joint savings account. And then our own individual checking accounts. The joint checking is for bills, the joint savings is for saving for a house.

Re: Bank Accounts

DH and I each have seperate checking accounts but we have a joint checking and savings

Re: Bank Accounts

We each have our own checking accounts then we have a joint saving account. I get paid 2x a month and DH gets paid every week so I pay all the bills and put money into savings and he pays for groceries, our metro cards and money for us for the week/when we want to go out.

Re: Bank Accounts

we have a joint checking but we never use it.

we are weird

Re: Bank Accounts

we have joint checking and individual savings

Re: Bank Accounts

We have a joint savings and individual checking.

Re: Bank Accounts

we have a joint savings and our own individual checking accounts, but we have our names both our names on our individual checking accounts. . . weird I know. I have a business account, but my name is only on the business so my DHs name can't be on that account.

Re: Bank Accounts

We have joint checking and joint savings.

Re: Bank Accounts

We have a joint savings and each have our own checking accounts

Re: Bank Accounts

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Posted by Future Mrs H

DH and I each have seperate checking accounts but we have a joint checking and savings

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This.

Re: Bank Accounts

he has a checking
i have a savings and checking
we have a joint checking (never use it)

Re: Bank Accounts

We still have our accounts separate. We split the bills that each one pays for with house and takes care of them

Re: Bank Accounts

We have a joint checking and separate savings. A set amount of $$ gets transferred into the savings and everyday items/bills go out from the joint checking.

Re: Bank Accounts

We have one checking and one ING savings account

Re: Bank Accounts

I have 2 checking; 1 savings

DH has 1 checking, 1 savings

We have a joint savings and a joing checking.

Re: Bank Accounts

We have joint checking and savings and then we have our own checking and savings.

Re: Bank Accounts

ugh this is such a sore subject. we have:

2 joint savings accounts
I have 2 individual savings
he has 2 individual savings
we each have individual checking

we're trying to figure out how to consolidate but each account has a very specific purpose or benefit.

Re: Bank Accounts

If you are looking to earn the most interest... I would combine the savings funds and put them into an account with higher interest; like an ING Direct account.... as opposed to keeping the funds in a traditional bank account. ING offers better rates and the more money you put in, the more you will earn.

If you are uncomfortable combing all funds, then keep a little play/mad money on the side in indiv accounts.


we keep our stuff together but we each have our own checking accounts... along with a joint cking.