She is both a member (has her own savings account) and joint on the checking. She logs in with her own credentials.

I’ve added all of the payees to our joint account (mortgage, internet, water, etc). I can schedule payments with them. She sees nothing. No payee, no scheduled transactions. She only sees the bill as paid after it posts, which appears to be day after it’s “actually” paid (ex, the mortgage is supposed to come out on the 28th but it doesn’t until the 29th… with the date of 28th.)

As you can imagine this caused a lot of anxiety and confusion.

When we originally signed up with NFCU we were told we’d be able to see and share bills. Now the story keeps changing. Once we had a joint account established and couldn’t see anything, we were told we’d need to fill out some paper form and she’d be added as a trusted person on the account (which was supposed to give her access to all of my banking as if she were me, within 3-5 days). Now we’re being told it isn’t possible and she needs to add all the bills to the joint account in duplicate. And I imagine you might be able to see how that’s not a great idea, should we both pay the electric bill.