First, a chequing account
Basic chequing accounts are designed for day-to-day transactions and bill paying. A chequing account is the foundation for personal finances, so it's important that you establish one in your own name. These accounts are readily available and easy to open. Research the monthly fees associated with maintaining an account.

Second, a credit card
Regardless of your marital status, you should always have a credit card in your own name. It can help you keep up a good credit rating for when you need it. It can also be a powerful source of funds in case of an emergency.

Be sure to research which cards are right for you. Get information on selecting a credit card that suits your credit habits best.

Cut the ties
Review all of your joint accounts. If there are any with your name on them, move promptly to take it off. This includes brokerage accounts or any other type of account that offers to advance any credit.

And once you have some credit in your own name, close or freeze all joint credit-card accounts. You won't be able to fully close an account if the balance is not paid in full, but if you freeze the account you can be sure that no one can charge any more to it.

Next, order a copy of your credit report. A credit report will help you identify and close each account you and your spouse opened jointly. If there are any left on your credit report, call the credit lender directly to close it. Then follow up with a request for another copy of the credit report, to make sure it was closed as you requested.