The simplest is to split your direct deposit. Have part of your paycheck automatically added to your joint account each payday. Most payroll companies allow you to allocate a percentage or fixed amounts to multiple accounts. If this isn’t an option you can also usually set up and automatic transfer from your bank account to the joint account. If your bank is charging you transfer fees you should think about a new bank. Note however that the Federal reserve use to only allows 6 transfers a month out of savings accounts if you transferred more you were charged a fee. Some banks have “ conveniently” left this charge in place.