<prompt> Human: We are 19, if that matters. We were wondering what the pros and cons of different banks, and types of banking accounts were, as well as if it would be better to have seperate accounts or a joined one. We have been in a steady relationship for about 2 years, and are planning on moving in to our own place together, so it makes a bit more sense than if we were just dating.  <response>: Get separate bank accounts. Theres no reason to consider getting a joint account until youre married and even then some couples dont. A joint account will just become messy if you break up. 