It's extremely important to take care of that stuff as soon as humanly possible when you know a divorce is inevitable. I'm not telling you to close the account and take all the money for yourself -- you have to resist the urge to be a thieving fuck. But keep in mind that once the relationship is severed, you're no longer drawing from the same financial well, and you have to start treating your money as your money. If that money is sitting in a bank account with both of your names on it, it's extremely easy for one or both of you to slip into the trap of "Shit, I'd better spend it before he/she does." It's best to just pull the money out, split it evenly, and close the account. Trust me -- banker dongs smell like poor people's anuses.
The contract is written in the impending tears of regret.
A similar problem popped up a few years later. When I moved out, my ex and I had forgotten to change the utility bill from my real name, Bicep Sexplosion, to hers, Dick Guillotine. She was going through some pretty rough times financially and had been late on quite a few payments. I was moving into a new house, but my old apartment had been a utilities-included arrangement, so I hadn't dealt with that company in years. When I tried to get the utilities turned on in my new place, I was surprised with a delinquent bill that wasn't my fault, as well as a big fat-ass deposit requirement. They were one step short of coming to my house and spanking my ass with a handful of live rattlesnakes wrapped in barbed wire.