Separate bank accounts and constant threats of divorce are symptoms of a controlling person. He is not a good man; you man see him as one, or wish he was one, but he is not.
As others have said, there are too many red flags in your posts to point out; essentially, they are one long string of red.
For the sake of your children, you must learn to exert some self-reliance. You must confront him, in a calm way, and demand change. Demand he become the husband that Christ requires. Demand he treat you and your children with respect.
Your children are learning what a marriage is. Is this the lesson you want them to learn? When your daughter marries a man just like Daddy, are you going to be happy? When your son behaves just like Daddy will you be pleased?
Time to make some hard decisions, draw some lines that cannot be crossed and give that old spine a workout. It sounds like it hasn’t had one in a while. For the good of your children, if not yourself, remember how to use it.
Sadly, the one who cares the least about the marriage has the most power. Remember that - he does.