It is not necessary to have a joint bank account. You need to keep in mind it is the quality of evidence to establish the marriage is bona fide not the quantity. For example, a joint bank account is worthless from an evidential standpoint if it is not actually used by the couple.
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There are many credible ways to prove up a bona fide marriage. Speak with a reputable immigration counsel of your choice.
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Respectfully, Attorney Alexander Ivakhnenko, Chicago, Illinois 773-562-8602