This is something you should bring up with your bank. In Finland if you have a joint account with your spouse there is a difference if the account is listed as "X and Y" vs "X or Y".

In the first case the account is inaccessible for a fair bit of time if either X or Y dies. In the latter case both can always access it.

My partner's aunt got hit by this when her husband was 100% incapacitated and hospitalized. She couldn't even pay her rent or buy groceries, because she couldn't prove her husband agreed with the spending.

We switched our account to the "or" style really fast after that.