My partner and I wanted to open a joint account for our shared expenses, but we also wanted to maintain our individual accounts. We joined Signal Financial Credit Union and it was a total nightmare – terrible web services, they had limited capabilities in terms of being able to pull money from each of our original accounts, etc, etc. We tried to join BoA but that was also a nightmare. CapitalOne was the best by far – the online capabilities are what really sold us. Plus there are nearby ATMs.