Adding husband to US bank accounts

Hi. Sorry if this is a repeat.

I plan on keeping my credit union account in the US once i move to pay bills etc. One thing I was thinking of is using my savings for our money (future husband thinks this is a good thing as he tends to spend if he has access to the funds) with the idea that you have to jump through a few more hoops to get at it.

So I am looking at adding him to the accounts just so if something happens to me he'd have access to the money. The credit union sent me a form: W-8BEN to fill out.

So i am wondering what kind of issues adding him to the accounts will occur? Will I have to then add him when I file income taxes? Other issues?

Sorry if this isn't very clear. I'm pretty tired and what makes sense to me may not be very clear to others.

I don't know about credit unions, but when we added hubby to my US bank account it was as simple as them filling out one page of paperwork, including his SS number, and both of us signing it.

As far as taxes, I would guess you could either file married filing separately, or married filing jointly. The first year we were married and he wasn't eligible to work in the States, we figured it both ways to see which gave the best refund. We used H&R Block online, so it was free to try both ways, since you only pay once you are definitely filing. There weren't any bank account issues to come up with taxes. With both names on the account and both names on the tax form, it was simple.

We didn't come across any other issues for having him on the account. Others may have, and could mention them, but we were fine.

Also, someone else with more tax knowledge might be able to answer the tax question better than I did, but that was our experience. We didn't have any issues at all the whole time he was over there. Of course, for us it was no kids, we rented, and we didn't have any stocks, out of state purchases or any other deductions or complicated things to file.