Just echoing what has already been said. Banks are terrible join a credit union.

DCU is great, when my now spouse and I first started combining finances we opened a joint DCU account, on the app you can see your personal accounts and joint accounts and transfer funds between them.

It's been over a decade since I opened my account but do look into what you need to open an account, when I did I had to be a resident of a specific towns to open an account (my mother also used to work for Digital back in early 90s so I could have gotten an account that way). I think they changed it so anyone can join but something to keep in mind.