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| Have your husband transfer funds as needed, and never over the ever diminishing USD 10k. | |
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| So, I'd second the advice proferred above: have your own account, and keep it under $10k, and you will have no issues at all. Alternatively, have signature authority only for accounts which generate little or no interest income, and file the FBAR /and/ a tax return. (It has advantages regarding the statute of limitations; there is none if you don't file.) | |
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Please note that the 10K rule is NOT per account, rather, it is the total value of money in ALL accounts under your name and/or where you have signatory rights.
For example: You can have two accounts, one valued at $5000, the other $6000, these would then both have to be declared on the FBAR since their total value is $11,000.