 TITLE: Should Married Couples Have Joint Checking Accounts? CONTENT: Can a Joint Checking Account Affect Credit?\n-------------------------------------------\nChecking account balances don't appear on your credit report and checking accounts do not directly factor into your credit score. So, unless your joint account results in missed payments or unpaid debts, keeping a joint account won't affect your credit.\nThat doesn't mean credit isn't a consideration when you're thinking about opening an account with your spouse. As joint account holders, making good financial choices and maintaining a problem-free account is consistent with being financially responsible and creditworthy. And any problems you do have with your account—including overdrafts or involuntary account closure—will be reported to ChexSystems, a banking reporting agency, and could affect your ability to get a bank account in the future. END