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However, note that the limit is per account.

Crosenfield, where did you hear this? Every source I've heard states that the limit was per bank. So a savings & checking account wouldn't work.

However, the individual and joint accounts method would work. You also might be able to set up trust accounts: a trust for your wife with you as trustee, a trust for you with your wife as trustee. So you could have 5 accounts at 1 bank. (You, Wife, Joint, and 2 trusts)

But be *VERY* careful about transferring ownership of the funds to another person; there are bound to be tax issues involved.
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