H and I each have our own bank account and own credit cards. However, they are both with the same credit union and we can see and transfer $$ from both accounts if we need to online. We can also see and review one another's transactions if we so choose. The mortgage and car loans are also able to be seen by both of us. H pays the bills and moves $$ from my account to do so - he always tells me when he is doing it and he NEVER questions me on my transactions, and I don't ask about his either. However, we also share a family budget and go over it together periodically. So, we are separate and together.
