Savings accounts are a great way to store your extra cash. There will be a guaranteed rate of return on your investment and there will be FDIC insurance protecting the principal of up to $250,000 against loss (although the amount reduces to its standard level of $100,000 maximum on January 1, 2010). The accounts typically require a low minimum to open and will keep your savings liquid for immediate access in case of an unexpected financial emergency. There are personal savings accounts and joint savings accounts.
If you have a personal savings account and are the only name on the account, legally your spouse cannot access your savings account without your permission. Only the person authorized to sign on the account is allowed access to the funds on deposit. If your spouse tries to access the account, the bank should notify you of that event.
If you have your money stored in a joint savings account with your spouse, then it is technically their account too. Thus, they are legally allowed access to make deposits and withdrawals from the account without the bank having to notify you of the transaction.
I just just found out the in 2007 when we were separated my husband used my IRA to trade on the stock market and lost it all. It was only in my name. He used it on line so I did not receive anything in the male