John and Jean must be a modern couple where they both have a job outside the home. Both John and Jean have jobs and they each need an account to receive their salary. Thus we can conclude that John has an account to receive her salary and Jean has another account to receive her salary. Also, since every couple has plans together, such as changing a car, buying a house, or raising money to send their kids to college, John and Jean have a third account, which is a joint account where they both keep money.
Ones a joint bank account and the other 2 are for personal use this is the most logical answer i can come up with but if you want a 2nd one that is no way right here one a joint account the other is a trust fund and the last one is a investment account
