Ok, just to be clear because you worded your response differently than my question, regardless of whether I am the one sending or receiving money for the same purposes (a gift, to pay half of a joint bill, or from one of my accounts to another account at a different institution, etc.), I will not have to pay taxes on it since it's not income? However, I may still receive a 1099 because the companies may likely report a transfer of money occurred and I would have to include that in my tax return - - though not as income.
