Bank accounts, CDs, Savings Accounts, business accounts, accounts for children are all at risk for attachment and review by the courts, judgments, liens, and tax obligations. If you are a signer on an account belonging to another person, (or they on yours), that account is merged with both of your obligations. Effectively, a health emergency, a lawsuit, or tax obligation becomes a problem for BOTH account signers.
Banks often will disclose more information than they have a request for. Many are collecting huge amounts of your data, such as spending habits, stores you shop at, products you buy, your medical prescriptions, doctors payments, gifts to relatives, and travel data. This allow the bank to offer specific coupons and offers that might cause you to buy something. This data is valuable to the bank, and resold to marketing companies for enormous amounts of money. It's also data that is often given to the IRS, or a court, or Homeland Security, or anyone that has access to the bank, their affiliates, and or other interested individuals.
There are many reasons to privately protect your bank accounts and finances:
Separate your cash into more than one safety zone
Keep your cash and finances separate from your spouse
Keep your cash and finances separate from your dependents
Keep your dependents problems & obligations from attacking your finances
Create more than one available ATM account and multiple cash access
Create more than one government guarantee against bank failure limits
Create more than one available bank and their branches for convenience
Create more flexibility for traveling to states that have different banks
Separate your accounts into different purposes, such as just for web purchases
Separate your cash into more than one safety zone, such as business, or personal
Separate accounts for home, or monthly bills, or travel
Separate your ability to be targeted and reviewed by adversaries
Separate your education savings from immediate use accounts
Separate your retirement from other accounts
Separate your business from other accounts
Separate your children from other accounts
Separate your reviewability by courts and tax agencies
Diversity creates safety
Marriage merges and obligates both to obligations of each other. This is just one more reason to know the complete financial condition and credit standing of both partners. Better yet, do NOT merge the two individuals on financial matters. A Private Asset Trust for each individual will stay separate regardless of marriages, divorce, lawsuits, liens, judgments, credit worthiness, or taxes. Multiple Private Asset Trust accounts give multiple privacy sectors and multiple protection.