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Problem is we want to restructure our accounts...
After doing a bunch of research we have agreed the best plan is to have three accounts, one main account where we dump all our monies and all shared expenses (mortgage, utilities, groceries, etc.) and his/hers private accounts (so we have a little privacy) where we will divert a budgeted amount.
Right now the mortgage auto pay and my paycheck auto deposit into my Citibank checking (with the Mastercard credit line attached).
That would make sense to have as the joint account... however with the credit line attached and our new low credit score they are balking at adding my wifes name to that account.
Could move mortgage and paycheck deposit to a (new) credit union or USAA account (not a big fan of Citi, just have been there for a decade and three changes in bank names)
But there there is the cluster**** of doing all that paperwork and with our low score will they let us open new account(s)?
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Gary Fisher 29er
2019 Kia Stinger 2.0t gone 
1995 Miata Sold
1984 944 Sold
I am not lost for I know where I am, however where I am is lost. - Winnie the poo.
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