Cafe41-I think it is a good idea to have a savings bank online. It makes it so easy and you don’t have to worry about teller lines, which I absolutely hate.
I opened a joint bank account with my husband when we got married. We communicate what we each spend so there is never a problem.
He makes the savings deposits and we always balance our account. I think that a joint bank account is best for married couples that have a commitment.
Having a joint savings account with a boyfriend is not the same. There could be a lot of legal problems if you break up and one of the parties takes all of the money.