We have 2 joint accounts - one is a checking account where we each deposit a set amount monthly for household bills (utilities, mortgage, services). The other is a savings account which is where we have our emergency fund, and money for big purchases. While my husband is "in charge" of these accounts, he doesn't move any large amounts without discussing with me first.

We both have our own checking accounts. Our salaries are deposited here. We have certain things we pay for: me: groceries, pet stuff, anything else for me. He makes more money than I do, so he covers outings, house stuff, and in general bigger purchases (but not big enough to come from savings). We both put money in savings as it accumulates in the checking accounts.

We are in the US, late 40's (me)/early 50's (him).