<prompt> Human: The reason is that a lot of the household bills which are about half in by name, half in his are hard to pay from the other persons account. Payments say they go through on the online portal but then somehow dont a while later this happens when I pay as well. Its very frustrating and we want to solve this. Plus have a common account for groceries and things like that.Wed both put equally into this new joint account. I said wed need to do it at a separate bank not associated with the ones we use already just to avoid confusion. Just being paranoid but if someone goes after him for whatever--student loans, a car accident, an overdraft--could it damage my credit or could they garnish my other accounts?Assistant: Why not use your own account and have him give you money? Combining funds when not married isnt a good idea.Human: Why not use your own account and have him give you money?Thank you for your response! Roughly half the bills are in his name and most of the companies like Internet and propane wont take a card in my name only for online payment. The propane company has even returned mailed-in paper checks that were in my name!We could change the gas to my name, but if we changed Internet wed lose the discount he was grandfathered in with. Its just really sloppy right now and wed like to simplify, but it sounds like thats a bad idea. Thank you again.  <response>: Most banks have simple and free mechanisms in place to allow you to transfer funds between accounts and banks for free. My girlfriend and I use it to transfer money for our bills. 