Divorce or end of Long-Term Relationship
Fortunate or unfortunately your relationship did not work out. Only you can decide what you feel, I am going to tell you things you may not know about your finances up to a year after the ending.
Most people own joint accounts; my reasoning was at my age what would happen if Lord forbids I passed how would anyone get the money from my account. So, yes I added him to my checking account. Do not do this, use your person of significance as a beneficiary, not as an account holder. What you have done is give them carte blanche to take any money as little or as much as they want legally. You, yes you did this. If it is a soured relationship and you are only civil getting them off can be a chore. Both must be present regardless of whose checks are being deposited. If he leaves the state you are stuck. I had to shut down an account I had for over 20 years and start over.
If he did the same thing, but refuses to take you off there is an ulterior motive. If he or she runs the account into the negative the bank has the ability to reopen a shared account and take the money from you. Now you can shut down his account, but they can still use the card forcing it open and causing fees and overdrafts. Arrgghh frustrating, but it is the life of today. I am continuing to go through this process and just want him to shut the account down. He has a wife, and they have new accounts. So this is just spiteful, but you need to know this can happen to you.
Banking & Beneficiaries
The bank that will work with you the best in this situation is Huntington. I would suggest using this bank to everyone. There are many perks and I have yet to have a bad experience.
Again, protect yourself, the good, bad, or indifferent relationship never combine your money. Use each other as beneficiary, which only gives them access once they bring a death certificate.
I am telling you this because credit scores are everything and once you start having bank issues and overdrafts it will reflect on your score and I am very happy at nearly 800!