When it comes to divorce, the name on a bank account doesn’t necessarily dictate who will receive its contents during the division of property. It is the job of the divorce court judge to determine whether the funds are joint property or one spouse’s separate property by applying state law.
(Note: In contrast to community property states, Florida is an equitable distribution jurisdiction. This means that the judge starts with a presumption of a 50/50 split and then considers a variety of exceptions in considering a different division (60/40, 70/30, etc.).