If he is terrible with money and unwilling or unable to change, will it help for you to separate household/joint spending from personal money and spending, is that what you're looking to achieve? Is the problem that DH spends from the account and then you are short for bills and essentials? Have you done a budget and do you have enough money coming in, but it's been badly prioritised? Someone's tastes exceed their income? Or are you genuinely short?
But you can still keep the joint account for household spending and as long as it is active, with money going in and out, you don't have to pay off the overdraft, although you should try to, because the interest rate is very high.
How about you both set up a standing order to pay your share of household bills, plus extra for annual and irregular expenses into the joint account each month but you don't touch the joint account for any non direct debit spending? The extra money paid in for annual spends should help keep you out of overdraft.
Another tactic could be that you pay for your groceries only on a credit card that has a direct debit set up to pay off in full every month, which has the effect of delaying your grocery spend from leaving your account by a few weeks, which helps cashflow and again reduces overdraft use and hence cost. But you have to be strict with this and only pay for your normal grocery spend, it's just a change in payment method, not a gateway to extra money.
If your individual essentials, eg mobile phone bill, car or other travel payments, are fairly equal, or even if not, you could agree to have them come out of your joint account, because that simplifies things and reduces the risk of DH spending money on crap at the expense of having money available for car repairs or whatever, if this is what he's doing.
Make sure individual accounts are of the 'no overdraft, if your money runs out, you have to wait until payday' variety so he can't run up another overdraft. Starling is good for this, if you don't apply for an overdraft, you can only spend what's in the account but there are probably others.
You both might want to look at Moneysavingexpert. Loads of information on budgeting, managing money, cutting costs, stopping spending, making your money go as far as possible. Maybe start with the budget planner and follow any relevant tips about increasing income, cutting costs, paying off debts etc.
www.moneysavingexpert.com/banking/budget-planning/