Joint checking and savings at Wells Fargo Bank.
Joint checking and savings at WAMU.
Joint savings at State Farm Bank.
Insofar as one's FICO score is concerned, there's no such thing as too many checking accounts. Need is something else, and that's gonna depend.
I have debit cards on both WAMU and Wells Fargo, mostly out of convenience 'cause there's a WAMU or Wells Fargo ATM lots o' places so I can always get cash. Probably gonna try and get a BECU account, again for the ATM access.