It probably depends on the source of the money in the account. If you inherited money and put it in a separate account, or it was money earned before the marriage, then it would be a separate property. But if you were depositing income earned during the marriage, then it would probably be considered marital property. Anything added after the date of separation would be separate. If you mixed money (separate and marital) in the account, but can prove where the deposits came from, then you could divide it into separate and marital. The name on the account is totally irrelevant, same thing applies to houses and retirement accounts. Its when the money was earned that matters.
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Re: accounts