<prompt> Human: Good Morning rpersonalfinance, I plan on spending some more time here, now that my finances finally seem to be getting in order.Todays question is about Bank Accounts. My wife and I currently each have a checking and savings account. We have joint access set up so we can transfer freely between them if needed.Most bills are paid out of my account, with the exception of her student loans and car payment. This is because I was the primary earner for the first several years of our relationship. Well now were making about the same.I dont like this setup, because I know that mixing my spending money and money needed for bills tricks me in to thinking Ive got more money than I really do. I would like to have a third checking account dedicated to bills and major joint purchases. This has the benefit of allowing me to keep only spending money in my checking account because I can transfer away my budgeted funds as soon as my paycheck clears.Is there a recommended way of doing this? Were with Bank of America right now, and my main concern with just opening up another account is fees.EDIT: Just some added info, we dont really care about keeping our personal finances private from each other, were currently trying to budget to eliminate our small credit card debt and save up for a down payment on a house. Using YNAB if thats at all relevant.  <response>: If BoA doesnt have a free account that meets your needs, move to another bank or credit union that does. Or open an account with an online bank like Schwab, Ally, or Capital One 360.All of my familys money is commingled but we keep track of our available spending money using budgets in Mint. 