Joint current account

dbbear

Hi Guys,

After a little advice as not sure about all this joint bank account malarky.

Anyway myself and my good lady are going to rent a place (current credit crunch stops us getting a mortgage we want) What we want to do is keep our seperate accounts with all our individual debts coming out there but set up a joint account where house bills, rent etc to come out of.

This is where the real question comes in, the accounts that give you money for setting up would it apply to us if we are transfering money into it and set-up new dd's but not transfering our individual accounts to it?

What would be the best account for us, I take it credit ratings and the like are not effected by having 2 active accounts if you like in our names?

Thanks in advance for any advice you can offer.

PS based in Scotland so would prefer a a bank that has a few offices based here.

teardrop_2

I just got off the phone from First Direct who offer £100 for any account which has payments of at least £1500 per month. The bottom line is that it must be salary payments and cannot be direct debits from two individual accounts which is exactly what I want to set up too.

Do you know which other banks have similar offers?

tinkerbel

What about the coop who have a new customers deal at the moment, £100 after 3 months ish and you have to deposit £800 per month?
hth