conversation: User (meddlingmages): "Long story short, my fiance is going to bring all of her finances etc to my Chase bank account. \n\nCan you have 2 direct deposits from different companies/people running into the same checking account?\n\nHer credit cards (PNC and Capital One Venture, MasterCard I think) we would like linked with my Chase account... how/can this be done? For instance I have a Visa Amazon Card directly linked with my chase account. I like to see EVERYTHING when it comes to financing. As it stands her credit cards wouldn't be visible since she is coming from an entirely different branch. I would like for everything to be visible when we log onto Chase to view our accounts... do we have options?"
  Self: "With my wife what we do is we keep everything separate (we have different checking accounts). But we have one Mint.com account (just one login) where we have both a financial overview of everything.\n\nIf you would like to "see" her credit cards, you probably need to also do the same thing and have an online software that shows her credit cards (Chase does not allow to see credit cards, you have the Amazon card in there only because it's a partnership with Chase). But I think the deposits won't be an issue. Just the viewing part of credit cards.\n\nAlso if she connects everything to your Chase account, make sure that you add her to that account (make that a joint account). Otherwise, she will have no access to it at all in case of emergency (let's say you go missing, she won't be able to go to the bank and request extra money).\n\n_______________________\n\nAnother unrelated to your question advice, consider opening joint Ally bank accounts. Ally allows you to open joint saving accounts with an APY of 1.15. I find it awesome for married couple because you can open as many accounts as you would like, and set lots of goals.\n\nhttps://imgur.com/a/GULgL"
  User (meddlingmages): "Mint? Never heard of it, sounds interesting. The main reason we want to combine everything is for the purpose of paying bills and spending money. I hate the separte back and forth paying equal thing, as it stands now we split everything. Two equal payments at the grocery store, i pay cable, she pays sewage etc. We just want to fix that. Does Mint allow you to move the money freely? For example, I want to use her account to pay for X bill online... or I need to transfer $1K from her checking to mine etc etc \n\nAlly bank accounts? Could you ELI5? This is all very foreign.\n\nTL;dr We have two accounts, three credit cards, no way to look at our money combined. Would like to consolidate everything for ease of use/budgeting etc."
  Self: "So Mint.com is just a tool to monitor and view all your accounts. You create an account, you connect all the banks you want to it (it can be yours or hers). And it will allow you to view it. It has a bill pay function but I haven't tried it, maybe someone else can tell you about it. I use it only to view my bank accounts (I have 12 credit cards, and 14 savings/checking accounts, it would be insane to try and login everywhere all the time).\n\nAlly bank is a bit like Chase, but it's an online bank. I'm personally in the process of switching from Chase to Ally because I find it so much better. (Online interface is better, the fees are much smaller, the interested rates are a lot better). It's entirely free, if you want you can even open an account with 0$ on it, and just play around with the interface. If you don't like it you can close it.\n\nConcerning transferring money, yes it's annoying. What we do with my wife is we decide who pays what. So for example she pays some budgets, I pay others. And I just transfer her the exact same amount every month.\nHow I see it there is only two options:\n\n* you both keep separate checking accounts, but then you do need to transfer money. In order for that to work well I recommend you have the same bank. So either 2 Chase checking accounts, either 2 Ally banks or whatever. If you have the same bank you will be able to transfer money instantly. This makes it a lot easier, you just do a couple of clicks, and the money is in her account.\n* You combine it into a joint account. Like I said it needs to be joint so that she never has any trouble in case of emergency. She will have to link all her credit cards to that new joint account. You will not see her credit cards anywhere, but she will be able to pay her credit cards using the joint account. It's pretty easy to connect her credit cards to it, she just needs the routing and account number (listed on a check)."
  User (meddlingmages): "So for instance we make a joint checking account, but she wants to keep her mastercard Capital One, how does she "link" it to our Chase acct"
  Self: "When she clicks on Pay inside capital one, it usually has an option to add another bank account. Every interface is different, but in most cases there is a button "Add another bank".\nOnce she clicks that button she has to enter the routing number and the account number of that joint account. Once she entered the bank account she will be able to say pay with that account, and it will take out the money from the joint account.\n\nFor credit cards it's usually that simple, for other banks (Paypal, investing accounts), it will require doing some extra verifications to make sure it's your account."
  User (meddlingmages): "When trying to add another bank to the payment options for the capital one card, would I be able to see that cards transactions via chase.com for example?"
  Self: "You see it as a transaction yes, here is an example of a recent payment of an external card:\n\nhttps://i.imgur.com/aYaF1OO.png\n\nYou don't see what the card paid for, but you see the amount that was paid to that card."
  User (meddlingmages): "Oh fantastic! Thank you "
  