This is something you should bring up with your bank. In Finland if you have a joint account with your spouse there is a difference if the account is listed as "X and Y" vs "X or Y".
In the first case the account is inaccessible for a fair bit of time if either X or Y dies. In the latter case both can always access it.
My partner's aunt got hit by this when her husband was 100% incapacitated and hospitalized. She couldn't even pay her rent or buy groceries, because she couldn't prove her husband agreed with the spending.
We switched our account to the "or" style really fast after that.
Basically an account can have either one owner and one person with a permission to access it OR it can be co-owned.
If you just have the access permission and the main owner is incapacitated or dead, your access is not valid anymore and it's a huge hassle to get access to the funds.
You want the co-owned style where both have equal rights to the funds on the account. The easiest way to check it is just to contact your bank and make sure it's set up that way the exact terminology seems to vary a bit between banks.
One of the terms I've seen in the US is "Joint Tenants With Right of Survivorship (JTWROS)" but check the details.
It's much rarer now because checks are basically gone, but you used to be able to get accounts that would require both signatures on the check, not just one.
In the first case the account is inaccessible for a fair bit of time if either X or Y dies. In the latter case both can always access it.
My partner's aunt got hit by this when her husband was 100% incapacitated and hospitalized. She couldn't even pay her rent or buy groceries, because she couldn't prove her husband agreed with the spending.
We switched our account to the "or" style really fast after that.