You can take your marriage license to the bank you two decide on and open a checking/savings account in both names. Both of you will have access to it and both of you will have your own debit card linked to that account. I'm not to sure if banks will combine two accounts. They might have you or him close one account and then add you under each other with a new account. Call your bank and ask. Doesn't hurt. Me and my husband have an account (checking/savings) together with one bank where we call that our ''Joint Account'' which is used for things we buy together that we would share (tv, new computer, furniture, etc.) and pay bills that we take 50/50 part of (I contribute half and him the other half) that we share like cell phone bill, internet/tv, household, etc. We also use it when we eat out and buy groceries. On the other hand, we both also have our own personal accounts where we use our own money to buy clothes, personal care, books or anything else that is not considered a jointly purchase. This prevents any arguments about finances and what happened to all the money discussions. Works for us, but maybe not for everyone else.