A common approach is...
1) Joint checking account to pay mortgage / rent and bills that are reoccuring. It can also be used to cut checks for large purchases, home renovations, tax payments. It can be also be used for receiving tax refunds.
2) Joint savings account(s) to hold emergency fund, save towards house downpayment, other goals for you as a family
3) Separate personal checking accounts to pay off credit cards for miscellaneous purchases.
May employers allow splitting paycheck to multiple accounts automatically.
My family this approach.
Both I-485 and later I-751 approved.