One of the major factors in divorce is communication not money. Once you stop communicating, every things else falls including money. Having separate personal checking accounts with your spouse is almost like not communicating. What is the purpose of having separate accounts? Having accountability keeps integrity within the relationship and accountability to others. Having two accounts may allow that person to do something that they are not supposed to do. Ecclesiastes 4:9 says two are better than one. Genesis 2:24 talks about the two becoming one. When you are married, you are spiritually becoming one person that God sees in the spirit. Put your resources together so that God sees one and your goals and desires will get accomplished much quicker.
Blessings to you