From: utzoo!decvax!harpo!ihnp4!iwsl4!grasp Newsgroups: net.singles Title: Re: Re: marriage & money Article-I.D.: iwsl4.114 Posted: Wed Nov 17 12:37:34 1982 Received: Thu Nov 18 07:47:25 1982 On the contrary. The wording of the owner of the account makes a big difference. Our joint checking account is in the ownership of 'husband OR wife' instead of AND. In the case of the "OR" you will own the account instead of the bank should your spouse die. Not so with the "AND".