Normally married couples have a joint account together. However, that doesn't mean that you still can't have your own bank account. You don't need to add all of your earning to this account. A few advantages of having a joint account are: It makes it easier to pay the monthly bills. You don't need to use multiple accounts when buying or paying for items in the store or online. If you are planning on buying a home, a joint account is a good idea for the bank. Many men are terrible with a bank account and paying bills. A joint account makes it easier for you to take care of everything. If you have your checks directly deposited into your bank account it makes it easier to handle one account and not two. With a joint account, you can now see what the other person spends the money on. This can help you to create a monthly budget for your home. If one of you dies and you each have an account it makes it harder to get the money from the account in the end. However, there can be issues with a joint account: One person adds more money to the account and the other one seems to spend more than he adds. People don't always tell each other when they use a debit card, therefore, it is harder to keep the account balanced. If you don't have some sort of ground rules and how to report spending on a joint account this can lead to many problems. At times this could lead to fights because one person is an overspender and they are spending too much in the account and there isn't enough money left over to pay the bills. There are good points and bad points on having a joint account. If you are planning on this it is a good idea to have some ground rules set in place. This can help you to balance the account and make sure the funds are there when you are ready to pay the bills.