Joint Checking Accounts

[SkinnyBenny]

joint acct to pay bills and whatever, sb private acct to buy drumset, mrs. sb private acct to buy cuisinart

[Dugout DickStone]

put your money in a coffee can

[_33]

why a joint account?  seems unnecessary

Yeah.

I’m not married, but if/when I do become hitched, I intend to have 3 accounts. The bill paying one, mine, and hers.  Seems much easier to put x amount into each of our and y amount in the bill one. That way you can spend your money the way you see fit without starting arguments. She buys some expensive handbag? If it’s out of her account, who cares. You buy a wave runner without running it by her? Well, you used “your” money so she can’t say anything. Seems simpler. Kind of like you each get an allowance to do with what you want.

No, you should pool all your money and big purchases should be discussed and agreed upon together.  Do you guys even know anything about marriage?

[GoodForAnother]

pro-tip: having 1 checking account is easier than having 3 checking accounts

[Boom Roasted]

Man, keeping track of anything other than just my own account seems rough. It's easy to know mine because I always know what I buy. Will be tougher trying to keep an eye on what she buys and to make sure all her cards are paid at the right times.

[420seriouscat69]

I don't know if I could do a joint account. I'm pretty frugal compared to ms. wacky.

[CNS]

Divorce stats proving out.  Buncha soon to be wrong side 50%'ers ITT.

[pissclams]

pro-tip: having 1 checking account is easier than having 3 checking accounts

pro tip:  having a checking account isn't hard

[slobber]

Pro-tip: if you are really :kstate grad: then you wouldn't spend more than 1 minute a month trying to figure out if you have enough money in your account to buy anything.


Also, even with separate accounts, big purchases should be discussed before being made. "Big" will be defined differently as you get older.


Gonna win 'em all!

[WonderMeal]

Schwab is BITB at this. Free checks (lol at checks), no ATM fees anywhere, no fees ever, super-nice customer service peeps, great website, can easily split money up between multiple brokerage accounts. I know many EMAW elites who use Schwab and have never heard one complaint.

Like other wise old EMAWs Slobbs and CNS, I am getting some good LOLs at these unmarried noobs over here. The key to married finances is not "mine vs. hers" or "jetskis vs. handbags," it's "Hey we got married, so we need to have regular conversations about our financial future. What goals do we have? What debts do we have? Where can we splurge? What's important to us?" You know, because you're married, and that's what happily married people do.

I mean, have none of you read the Debt Collectors thread?

[pissclams]

Schwab is BITB at this. Free checks (lol at checks), no ATM fees anywhere, no fees ever, super-nice customer service peeps, great website, can easily split money up between multiple brokerage accounts. I know many EMAW elites who use Schwab and have never heard one complaint.

Like other wise old EMAWs Slobbs and CNS, I am getting some good LOLs at these unmarried noobs over here. The key to married finances is not "mine vs. hers" or "jetskis vs. handbags," it's "Hey we got married, so we need to have regular conversations about our financial future. What goals do we have? What debts do we have? Where can we splurge? What's important to us?" You know, because you're married, and that's what happily married people do.

I mean, have none of you read the Debt Collectors thread?

SUPER QUIZ:  what does any of this have to do with combining checking accounts? 

78% of Americans voted:  Nothing

[Bloodfart]

I support the one checking account household.  #unitedwestand #dividedimbroke

[GoodForAnother]

I had Schwab for a while. It's a nice account, but ended up switching to Wells Fargo.  the ATM fee thing is the main benefit for Schwab. everyone talks up tier customer service but it isn't really much better than most banks.

pro-tip: having 1 checking account is easier than having 3 checking accounts

pro tip:  having a checking account isn't hard

your face isn't hard

[kim carnes]

what customer service is it that you dumbasses are using from your banks?

[raquetcat]

Schwab is BITB at this. Free checks (lol at checks), no ATM fees anywhere, no fees ever, super-nice customer service peeps, great website, can easily split money up between multiple brokerage accounts. I know many EMAW elites who use Schwab and have never heard one complaint.

Like other wise old EMAWs Slobbs and CNS, I am getting some good LOLs at these unmarried noobs over here. The key to married finances is not "mine vs. hers" or "jetskis vs. handbags," it's "Hey we got married, so we need to have regular conversations about our financial future. What goals do we have? What debts do we have? Where can we splurge? What's important to us?" You know, because you're married, and that's what happily married people do.

I mean, have none of you read the Debt Collectors thread?

Wondermeal just knocked it out of the park

[star seed 7]

I'd go to Midwest Federal. Talk to Bill Diehl.

[GoodForAnother]

Schwab is BITB at this. Free checks (lol at checks), no ATM fees anywhere, no fees ever, super-nice customer service peeps, great website, can easily split money up between multiple brokerage accounts. I know many EMAW elites who use Schwab and have never heard one complaint.

Like other wise old EMAWs Slobbs and CNS, I am getting some good LOLs at these unmarried noobs over here. The key to married finances is not "mine vs. hers" or "jetskis vs. handbags," it's "Hey we got married, so we need to have regular conversations about our financial future. What goals do we have? What debts do we have? Where can we splurge? What's important to us?" You know, because you're married, and that's what happily married people do.

I mean, have none of you read the Debt Collectors thread?

hey WonderMeal.  I like your post.  have a good day!

[SkinnyBenny]

Well yeah no doi everybody, so Kansas State Bank, then? (Basing this primarily on the fact that they sponsored my cousin's little league team.)

[ew2x4]

Go local with whatever you do. None of those evil assholes like Wells Fargo. And I don't really see a benefit of multiple checking accounts unless you're awful with money.

[SkinnyBenny]

Just one on the side for splurges like an  Icee now and then.

[SkinnyBenny]

I really don't get why small banks advertise their fantastic customer service vs. the big guys. I mean who really gives a eff if they know my name and say it when I walk in? I don't. Know what I give a eff about? Having tons and tons of ATMs and branches all around the city and country.

[ew2x4]

I really don't get why small banks advertise their fantastic customer service vs. the big guys. I mean who really gives a eff if they know my name and say it when I walk in? I don't. Know what I give a eff about? Having tons and tons of ATMs and branches all around the city and country.

I can't remember the last time I went to an ATM or a branch. Let alone need one out of my city. I want a good app, good online management, and a bank that won't eff me over. Maybe some investment options? That's about it.

[ew2x4]

Just one on the side for splurges like an  Icee now and then.

Is the wife going to bust your balls over a couple bucks?

[wetwillie]

If I wanted to leave myself an out from a marriage I wasn't sure of I would definitely have separate accounts. 

[KITNfury]

I feel bad for guys that have to check with their wives before they buy what they want, which is apparently several of you here. Have separate money so you can take your balls out of her expensive handbag she bought without asking