If my two brothers have a joint checking account together, can they just transfer money to me over the gift giving limit with a note, for example, saying "15000 to (my name) from (brother name 1)" and then the next transaction saying "15000 to (my name ) from (bro name 2)"?
Are they able to do the same thing when transferring money to my daughters saving acct (acct is in her name but my name is on as secondary). "15000 to (name) from (name)?
