Well. I just found out that the joint credit card we have and both do practically all of our spending on was created with my W as the primary account holder, and I'm the secondary/spouse on the card. So she would have to be the one to close that card. I guess I'll have to talk to W again after all about closing accounts. Sounds like she could close the account over the phone. I'll still have to close our checking and savings accounts in person.
Me:30 W:31 S:4 M:7 T:12 PA: 5/6/18 - ? W moved out 7/18