Like Kunkstyle said, setup a joint account for mortgage payments only.
So you have two accounts on your card at a bank machine:
Chequing - Your own account
Savings - Joint account (Mortgage only)
Her debit card at machine
Chequing - her account
Savings - Joint account (Mortgage only)
This way you can both do transfers into the shared account for free but not access each other's everyday accounts.
I guess if you don't trust her, the risk is she can empty the account anytime you put money into it for the mortgage. But if she is doing that I think you have other issues to deal with.
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