Separate, but both have ownership to both accounts. You folks make sure of this. Just because you both can write checks on both accounts does not necessarily mean that you have "ownership". I learned about this years ago while talking with my banker.Our accounts are at separate banks.
That being said, I have all the bills bank drafted out of my account and Doris buys all the groceries. She always has more money.She says that is the way it is suppose to be.
USS Intrepid CVS-11 Helicopter Squadron-3 1960-1964
When I keep my gratitude higher than my expectations I have a good day