Firstly, there is no connection between divorce and opening and closing bank accounts. A married person can do this at any stage of marriage - providing it is not a joint account. This requires co-operation, both opening and closing it. Neither husand or wife is entitled to make a unilateral decision to close a joint bank account. However, both parties are entitled to give instructions restricting its use e.g. so that a joint signature is required for money to be spent etc. This, however, can bring a bank account to a standstill, although it still remains open.