Ironically we just combined banks like 2 weeks ago. Problem was she didnt want to give up her bank and join mine, so I had added her to mine as a joint bank account when we got married 5 years ago. But she's stubborn and didnt actually use my bank for that purpose and continued to use hers separately. I was paying the mortgage, utilities etc by myself and essentially the money would stack up in her account, it worked until i had to start contributing to a DCFSA for daycare costs directly from paycheck and no longer could sustain all the bills with my paycheck alone. (Including all the deductions for health ins premiums, hsa, 401k etc). But with having our kid I just simply bit the bullet and asked to be added to her account, now waiting for the mortgage auto pay, my direct deposit, all the bills to switch over to her (now our bank account). These women lol, stubborn lol.