"So what your DH makes is
Why would a bank freeze assets in a joint account for 6 months? That makes absolutely no sense. I agree that *each* person in any relationship should have their own account. DH and I both do. Always have. We have joint savings accounts, but our checking accounts are our own.
Ahother thing I would encourage everyone here to do it so make sure any accounts your relatives have set up for your children have a back up guardian. DH's father set up small accounts for each of his grand children and set himself up as the sole guardian. After he died, it has been a pain in the butt to add a new guardian. It has involved multiple trips to our county courthouse and a few $$ to declare a different guardian.
I don't really understand why a joint account was frozen like that.
"Where did she say that?
I hold the purse strings in our family, meaning I pay all the bills and balance the books.
it may make no sense to you but to the eye of an estate and to the eye of a bank that's holding the money,freezing can and often does happen....................i remember banking days.