Q) Must I use a Joint account for my deposit if I am filing jointly?
A) No, you do not need to use a joint account for your deposit if you are filing jointly. You can file jointly with your spouse even if you have separate bank accounts. When you file your tax return, you will need to provide the account numbers of all of your bank accounts, even if they are not joint accounts.
However, there are some benefits to using a joint account. For example, if you have a joint account, your spouse will have access to the money in the account, even if you are not available. This can be helpful if your spouse needs to make a purchase or pay a bill while you are out of town.
Ultimately, the decision of whether or not to use a joint account is up to you and your spouse. There is no right or wrong answer, and the best decision for you will depend on your individual circumstances.