Originally Posted by Numina
I felt that since I was originally ok with a joint checking account with Chipmunk that I couldn't very well be not ok with a a joint savings account.
Of course you can change your mind.
Did she finish paying the money back she put on your credit card? If not, that's certainly an extra strong reason to not co-anything with her until she's proved she is responsible. I'd sure be looking long term at any possible negatives it could end up having for you and Airyn and Wolf (like if there are college loans in the future and your credit has been affected by something she did or didn't do), and you were very right about it being a potential problem when it comes to buying a house.