<prompt> Human: First off I have chap 7 bk discharged since 112013. We tried spring 2014 to add me to his checking at Wells Fargo and were denied. Ive never been late on a single credit or loan payment - not now, not then, not in the 15 years Ive had credit. They wouldnt add me because they said they were protecting him. Anyway, we would like to combine accounts. He would be in charge of all bills and spending hes excellent with money, however I am horrible with it - I wouldnt have access to my bank card, checks, or any other way for me to get money from the account. Im currently with PNC, have been for 5 years now, but I dont want to add him because I know my account numbers. Id close that account.Is a year sufficient enough for wells to change their minds about adding me? Or will we need to go to a new bank?  <response>: Just my two cents: theres a lot of diversion of the topic here. I dont have an answer for you, but I understand your desire. My girlfriend is GOOD with money and is fiscally responsible. But she prefers not to deal with it. As a choice, she surrenders her income, lets me manage it, and then takes an allowance that she knows she can spend however she likes and feels safe doing so. I make significantly more than her and all of the plastic she carries day-to-day is in my name well, her name, but tied to my accounts; she uses a few of her own cards for her bills to maintain good credit. I subtract her spending from her allowance and she feels 100 happy and safe with the arrangement.She always has access to funds in the case of an emergency, she knows she has ample savings, and if we broke up tomorrow I would simply remove her from my cards and she would divert her paycheck back to her bank account. Assuming a messy breakup, both are actions that we dont have to rely on the other to perform.Dont let people make you feel bad about your choice. Even if you were a financial maven, you might still lead a happier life by relinquishing these responsibilities to someone you trust.To each his or her own. EDIT: I also add some extra cash to her allowance from my income. She wouldnt be able to maintain proper savings like she always has while simultaneously enjoying all of her hobbies. 