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Well, we have already opened one. We still have our seperate ones too. It shouldn't be that hard to get the name changed once you're married.
I'm not really an expert on the joint accounts, after I got screwed by my ex, this time around, there are no joint accounts - we each have our separate ones and I pay him or he pays me for different things. As far as changing your name, once you get your finaliazed license, updated drivers licence and new SS card, it only took me about 15 minutes to site there while the girl at the bank made the changes to my accounts and credit card.
I'd say if you are moving in together it might be smart to get a joint account just so mutual bills can come out of there. Also, if you are saving up for the wedding you can have a joint savings account that will allow both of you to see what's being saved. It really isn't too difficult to change your name on the account. You will just have to show the bank proof that you got married or changed your name depending on your bank.
We eased into it, way back when, with a joint credit card. Somehow that seemed less "official" since we weren't engaged yet. Plus, credit cards are easy to open and close (as long as you don't do too much opening and closing . . . and spending!) and you can set a low limit if you want.
I guess it's not much different than a joint bank account . . . but that's what we did!
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When is the right time to open a joint account? At Christmas, FH and I got some cash and I anticipate as engagements parties, showers etc continue that there will be more. But when I asked him when should we do it, he said not until we're married. Are there pros/cons to waiting? Are there reasons to wait? We don't live together yet, but will be moving in with each other in about a month and will start having common bills etc. We plan to each keep our individual accounts and use a joint one for joint expenses. In the back of my head I hear Judge Judy yelling about how you shouldn't play house before you're married - otherwise you end up on her show!
Is it hard to change names once you set up the account? One of his reasons is that if I change my name, it will be a pain to change the account, although i don't plan to change my name anytime soon....so yeah....