<prompt> Human: Ive been with my SO for over four years now. Were looking to open a joint checking account for our shared expenses, such as rent, utilities, and groceries. We will retain our personal accounts.If possible, it would be nice to have a joint savings account together, to save for expenses such as vacations, etc.We plan on laying out rules for how to use each account before we set them up, etc. But Im here for PF advice, not relationship advice :Can anyone recommend a good bank to set this up? The one with the fewest fees, ease of use, etc. Were based in Massachusetts, if that matters at all.Any advice or recommendations much appreciated!!  <response>: Everyone here will tell you to use a credit union. No fees and the APR, while abysmal, is still higher than a big bank.Heres a list of them in your state Is it up to date? I havent the slightest idea. 