The Gift Tax Exclusion for 2026 is $19,000. If you are married and use a joint account for gifts, the IRS generally views this as a 50/50 split, so you just write a check from a joint account for $38,000 and nothing needs to be reported (i.e. no gift tax return is necessary). You can note in the memo that it is a joint gift. It's not necessary to go through the trusts. If you're still concerned, each of you could write and sign a separate check from that joint account. But again, that's not necessary.
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