Oh, and I called the bank and they were shockingly nice and helpful! I just fessed up to the woman the whole situation and we went through several options and she was able to freeze the joint account and then set up a new checking account just for me on the spot. She really was wonderful and sympathetic.
Thank you so much for sharing this. So often we are paralyzed by how we imagine or "awfulize" things will go - and we never take the steps to just deal with practical things head on. If we make a plan, reach out, and just face these fears they turn out very different and less frightening than we imagined them!
Peace-
B