Ironically, I just had this conversation with my own personal attorney. My husband and I have separate trusts (helps at time of death). We have joint checking accounts - I was having a hard time understanding how to set things up. Here's where we ended up. For the account that I am the primary on, my trust will be the beneficiary and will come into play if my husband and I die at the same time or close to it. For the account that he is primary on, his trust will be the beneficiary. We are each other's successor trustees and happen to have the same person as the second successor. We just needed to come up with a way to make this work that made sense, as I know we wanted to keep signing privileges for both of us on both accounts. Maybe offering something like this is an alternative? If one of us dies significantly before the other, the trust of the survivor would be the beneficiary (that may or may not need to change, depending on who dies first.)