Trust me, you don’t see what’s happening behind the scenes and one of the thing they do is check your credit report and credit score. I’m pretty sure the OP spouse situation would be visible to them and they can flatly deny, rightfully or wrongfully but that’s beyond the point.
As to the OP, she is not a citizen or permanent resident - hence the post -, so she won’t be able to open the account in the US.
Why do people think everything is easy in this country? It’s not, actually pretty hard compared to other countries… and I have experience with a few others.