(Name changed for this). Married for years and husband and I share finances, financial decisions and communicate well about it. Have taken a 15yr career break due to pregnancy, childcare and to be a carer and am now about to set up as a freelancer. We have a number of jointly held investments (share & ISAs), savings accounts and 2 joint current accounts, the secondary one being one that I mostly use for weekly household shop. DH works full time on a contract basis and his pay goes through an agency into a holding account where fees and deductions are made (I don't see it because I am not the earner) before being transferred to our current account from which monthly outgoings, mtg etc is paid. (I am confident that this is all above board and honest, it's just how it's set up as the payments go through an agency first.)
Rather than set up a new business account, DH is suggesting I just use the joint account as my new business account and send those details to our accountant so he can set it up with FreeAgent accounting software.
I can see the logic in this, however in practice it means that DH is a joint a/c holder on the bank account for my fledgling freelance business bank account - can make withdrawals and deposits and see transactions etc (he wouldn't. but still...). I don't suspect any malevolence behind this suggestion, or financial coercion, but at the same time I feel like I would like to manage the account myself and have it in my own name without oversight, even though I have oversight of all our other accounts, except the holding one that he had to set up as a contractor to process his payments.
AIBU to feel justified therefore in setting up my own separate bank account for this new self-employed business?