The account situation can get very tricky. No matter how delicately you handle it, your W might still take it as a personal assault and effort to punish her. Especially since she's a SAHM. And it will be seen as a lack of trust, no matter what you say.
How will she be able to pay for household items if there's no money going into the shared account from your paycheck?
You could possibly set up a separate account for yourself, have your paycheck deposited there, and then transfer a portion to the joint checking account so she has access to something.
My STBXW and I had a big blow up over finances and how to split things. Now this is with a woman who has a job and was withdrawing hundreds of dollars without telling me the reason. But I was the bad guy because I limited her access to MY banking login, when she had her own banking login that she could use to access the same account.
Anyway ... tread carefully. Legal advice couldn't hurt at this point.
Me-47,XW-43 S13,S16 M:18 BD:4-23-17 W filed:7-17-17 (5 months of in-house separation hell) W moved out:1-6-18 D granted:2-15-18 Decree signed:3-29-18