<prompt> Human: My girlfriend and I are moving in together. Since well be paying for a lot of bills jointly wed like some way to merge accounts without actually merging them. So we were thinking of opening a new account with whatever bank and just depositing money into it every month for bills. Is this smart? Should we just open a new account with one of our current banks?Sidenote: Im thinking of changing banks anyway. Any recommendations? Im really looking for a good online and mobile experience above all else.Thanks!  <response>: I wouldnt merge your accounts, ever.Just make a spreadsheet if the bills each month and each pay half. 