When did you open a joint account with your partner? I know every couple is different, but I've been wanting a joint checking account for about a year now.

After living together for over 5 years and combining our savings into one account, I think we're ready for a joint checking! My partner doesn't agree with me.

When we got married we combined everything

When we got married, we combined everything immediately. I wouldn't combine anything before then (though you should be transparent before then and be working toward the same goals if you're planning a life together.)

We opened a joint savings and checking accounts the moment we started living together. But we both have our separates savings and checking accounts. The joints accounts are to pay all house bills.

Yes because it makes life so much easier. We keep our main checking and savings separate, but we opened a joint checking and savings. We have weekly scheduled deposits into the joint checking from our personal accounts. Then we have all bills linked to the account. Additionally we use this debit card when we go out to eat, need house supplies, etc. Then every so often we transfer excess from the checking into a joint savings to use for an eventual down payment. As a couple who splits everything, it makes finances easier.

For reference- we've been together for 7 and living together (renting) for 3. Not married yet but intentions to do so eventually

What’s the reasoning behind you wanting one? As you said everyone is different and it sounds like your partner has some hesitation around it, so if there is a reason or it solves a problem, come at it from that angle. If it’s just cause they don’t want to and don’t see the need (especially if the only reason is just time) they may not be in agreement. When I was dating I refused to combine anything until I was married (and we did combine everything.) Now that I’m divorced, I would want a reason as well to have a combined one (in addition to separate accounts), like we both contribute to a payment and we want it to come from the joint account that we both access versus from someone’s individual account but I could still go both ways on it.

Once we got married. We lived together for four years prior, but waited until married before getting joint accounts.

We opened one as soon as we got engaged and now everything pretty much gets paid out of that.

we moved to the bank that had the best rates and options, within 6 months of dating. To be fair, i knew we were going to get married prior to our first date. We married on our 2.5 year anniversary after our first date, and we have been married for over 20 years

There are wealth managers and family attorney that don't recommend joint accounts. Based on what I've personally observed for the last 30 years, I recommend to people not to get a joint account. However, if you do, only pay shared bills from it. Put just the amount necessary. I used to work check fraud as well so my perspective is shaped by that too.
Since your dwelling and utilities are in your name, I agree with your partner.

When we bought our house, a joint checking for all our combined expenses.
We still have our own checking and savings accounts separate

We got a joint account a looooooong time ago because I was helping him build his credit before we even moved in together. We have a joint account for joint expenses and separate funny money accounts so we can buy things without judgment. When I come home to new electronics, I don’t fuss because it didn’t come from the joint account. Same for him when Amazon shows up frequently.

I'm a proponent of prenuptial agreements, prenuptial agreements, domestic partnership agreements, and cohabitation agreements. Draft something that's notarized. Also, check the laws in your state. It would benefit you to meet with a family attorney. They can give you information to make an informed decision.

5 years of living together, regardless of whose name is on the lease or deed, means that's it's his legal residence. If the relationship ends, you would need to go to your county clerk to file an eviction notice. Check the laws in your city, county, and state regarding tenant rights.
Do either of you have estate planning in which you are each other's beneficiary or executor? If not, see an estate planning or family attorney.

My spouse and I have been together 5 years, married 2 and we still don't have joint accounts. We have access to each other's accounts and just do bank to bank transfers if needed. Never really felt the need to have joint accounts but we're also not opposed to it. I don't think you need to put a time limit on it, and if you don't have joint checking doesn't mean you don't trust each other, just do whatever works for y'all.