@Sofyan , per your example
:
Checking/ Saving account amounts ----- 25,000 -> 0 -> 1000 -> 26,000 -> 27,600 ->12,600
Certificate account amounts ------------------- 0 -> 25,000 --> 25,000 -> 0 - > 0 -> 15,000
Thus if you were to report these two accounts as ONE account then max value for the year is 27,600
If on the other hand you choose to show these as two different accounts in the same bank
Savings/Checking Max for the year -- 27,600
Certificate account max value for the year ---- 25, 000
In my view since the certificates ( fixed for a period ) and Checking/Savings accounts are in the same bank and describable as two bins in the same bank, I would declare these as ONE account with a max value of 27, 600.
Does this make sense ? Is there more I can do for you ?
pk
