The one quirk we never fixed is that while I my account is connected to hers, the joint is on hers, under hers.

But, in a quirk we never fixed, my direct deposit remains with my account. The way the joint is setup, I have access to hers through my account, but she cannot access my account through hers.

I have to transfer my funds to her account.

So if anything popped off, she still can't access my account.