<p>momtotwins - thanks for suggesting State Farm Bank. Here’s what I found out:</p>
<p>On the issue of quick transfers between non-joint accounts, transfers can be made between non-joint accounts at SF (my separate account and D’s separate account) by phone (20 minute transfer time) or on-line (2-3 hour transfer time). Their call centers are open from 6am to 11pm CST M-F and 8am-8pm CST S/S, so this seems to meet my goal of being able to transfer money quickly in an emergency.</p>
<p>On the ATM fees issue, so long as I make a monthly electronic transfer into her account, all ATM fees are reimbursed. Otherwise, they reimburse the first $10 in fees per month. They don’t charge ATM fees themselves, so the fees that are reimbursed are from the ATM’s owner/operator (ie. the other bank). This works for me as well.</p>
<p>Looks like a good option, thank you.</p>