Correct--I do fixed deposits with my wife..if either of us go upstairs then the other has signatory power over the account. No need to wait for probate or other legal nonsense. My so called immigration account is under my name only, but she has access to ATM and Pin nbr, so can operate that also if I'm sick or incapacitated. Just simpler this way. Although the post on the POA signature idea is intriguing..must look into that for the imm acct.
So its many hours since this thread started, the OP got lots of advice, and unless he is sleeping on the street, he must be enconsced in his hotel by now, so he needs to answer his thread helpers on how he checked in.