<prompt> Human: Basically, itd need to be a bank that has free checking, because we may get it low, then move some money over if we wanna go to dinner, buy some supplies, etc. I have a BBVA account, and she has a BofA account. Should we just open a joint one with BBVA, since Im already there and its free? I thought of doing Capital One 360, but Ive got a couple of bad notches on my credit Im working on and fear they might not let me. Does anyone else do this? Have a card for spending, so that if it gets hit in the next big hacking incident or scamming waiter, there wont be much for them to get? Wed use the main accounts for bills, etc. Any advice is welcome.  <response>: IMO a credit card is the best way to separate your spending from your bank account. If you are insistent on using debit cards, Cap1 360 is good. They allow free ACH transfers both in and out so it would be easy to transfer money. Also the debit card has no FTF. Also make sure you opt out of the overdraft protection or else they will do a hard pull on your credit. 