Me and my FI also have a joint accounts at our credit union one is for the wedding and the other is for our house down payment early this year after getting engaged we made a commitment to put aside money we set a goal , a budget , and do automatic transfers our bank is so far away from out home so that lessens our chances of spending the money also we opted not to get a bank card instead when we need to make vendor payments we go directly to our bank and take out exactly what we need in the form of a check.....all other bills we split evenly each month with my FI taking on some bills independently this has been working for us hope this is helpful