My husband and I each have our own separate checking accounts, separate savings accounts, and one joint savings account. For us since we each know where all the other's money ends up going anyway, it isn't super important to merge our two accounts. Especially since we can both access the other's if we need to. Our checking accounts are mostly just money holders, and our savings accounts are for us to save up for things that we want to buy on our own. The money that we earn is our own money, and whatever we put into the joint savings account becomes "our" money, even though we share pretty much everything anyway. Like any time a check has to get written it comes out of his account because I don't have a checkbook at the moment.

Nope; we have joint checking, savings, and business accounts. If hubby wants money for something, he typically just takes money out of the business account because it's just easier for him since he can run to the ATM and grab the cash. We've never had separate accounts, except for when we first met.

I don't think it's about trust, but everyone should have their own in my opinion. Problems and glitches happen to relationships, and this way no one gets used, or any kind of that stuff. We all seen it happen to many people, I don't wish to be next. If you are in a relationship, you are in love. It will or will not last forever. If it won't then you will or will not separate quitely. If you don't then your money is in danger.. That's how it goes, it's sad but I trust no one with my finances.

We have separate accounts only because we haven't gotten married yet. Plus my son has separate accounts for his SSI that we can't have shared. So it just happens that way.

Joint accounts have worked really well for us.

We've always have joint accounts.

I don't know that I would never not have my own account. At this point in my life I've never had a joint account but would be willing to place some of my money in one. I still feel that having your own account for a multitude of reasons is useful.

Two separate checking accounts, one joint checking account for bills, and where our direct deposits go. Plus a joint savings account with a credit union. But, I don't think my husband has done our banking in 5 years.

Separate accounts. We have access to each others accounts, but that is more incase of an emergency.

We also have separate accounts, although he objects from time to time.

a joint checking account. I do have a money market account that does not have her name on it. But that is because it was a special offer that was only good on single accounts. But it is just for emergency cash.

we've been together almost 11 years and have separate accounts.

We have separate accounts but our names are on each others. We split the rent and each of us pays different bills. My b/f makes more $$ then I do, he readily pays more then his half.

We have completely separate accounts. Let's just say My Man is not the greatest with money. I remember my grandmother, when I got engaged saying to me (remember she was born at the beginning of the 20th century) "A woman should always have her own money." She gave me a small amount of money and I decided to keep my own account. I've had at least one ever since.

We did have a joint account once, after less than a month of us both putting money into it, I went to get some cash to buy groceries and there was nothing in it. WTF?

So, I let him pay most of the bills with the account that his pay check goes into (and I have no access to) and I have my account and accounts for the kids in MY name to keep them safe.

He's a good guy, but he burns through money like there's a hole in his pocket. Then he always bitches and moans that he's broke. *sigh*