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It depends on what country you live in. In Canada for example you can do this as living together for just one year, is considered as living common law and it's legal. What my wife and I did was open a joint account, that elimated the need for a ton of paper work, and we even have separate pin numbers for the same account.

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Q: If we have been lived together for six years can you legally open a checking account using his last name?
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