當然有必要了。否則財產分配要走法院probate時麻煩很多。為什麽要聯名賬戶？另外，我快速查了你州法律，

為了給後代省下你們百年之後的麻煩，強烈建議你建一個living trust.  
https://www.freewill.com/learn/texas-probate#:~:text=Probate%20is%20the%20legal%20process,your%20last%20will%20and%20testament.

https://www.freewill.com/learn/what-is-a-revocable-trust