Just a heads up to people out there. I heard of a case today of a couple where one has recently died and the survivor is having trouble with the bank because the account is labelled M. ET Mme xxxx. That means that both signatories must sign any document and not one alone, so the survivor is having problems accessing money etc., until legal procedures take their course. If the account had been M. OU Mme then it means only one signatory is needed, either of them, and of course the survivor has full access to the account and more flexibility.
So, take a look at your cheque book today. A ten minute with your local branch to get things in order might save a lot of hassle and heartache at a later, more stressful time ...