To report correctly, put each account in Part V with its own maximum value, even if the same money is in more than one account.
- Report the full total on Line 6, even if it seems high.
- E-file your return to keep your TurboTax guarantees and stay eligible for Audit Defense.
- The IRS understands that aggregate maximums may double-count transfers. This is a common aspect of FATCA and FBAR reporting.
As you mentioned, overriding the forms will invalidate any TurboTax guarantees, and this definitely isn't in your best interest.
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