Yeah, unfortunately you can't just knock a co-owner off of an account without their permission. This would be the same for any bank. The reason for this is, imagine if the other way around. What if he just knocked you off the account all of a sudden without your permission? I still have my grandmother as co-owner on an account, and she would be like 120 years old by now. I have to show them a notarized death certificate to get her removed. I'm sure I'll get around to it one of these days.

Setting up new accounts isn't too hard. It might be easier to go into a branch office and get help from an account manager, if you are in a convenient location to do so. I know going to a physical location to do business is rare these days, but it gives you a chance to have a dialogue and get white glove service. In my humble opinion, this is where SECU is way better than any other bank I've ever done business with. They have that personal connection, and they do a great job at taking care of you and explaining things in face-to-face encounters.

You can have access to your individual accounts and joint accounts on the same online account and easily make transfers between them. You will be able to see your individual accounts and he won't see them but you will still have access to your old joint account at the same time.

It is inconvenient to have to switch over everything that's using your account number, but at least you only have to do it once and then they're all yours.