account reportable on FBAR form?

[alexf]

Hi, I am a dual US/Canadian citizen, but my wife only has Canadian citizenship and doesn't file US taxes. Some months we have extra money to put on our mortgage, and most of the time, if we're doing this, I call our mortgage company to request the extra payment. My wife and I are both named on the mortgage, which is why I am able to request the additional payments, but the mortgage payments come out of her solo checking account. I have never considered that this would make her accounts reportable on an FBAR because I have no "signature authority" with her bank as it's described by her bank -- I can't interact with them directly and withdraw money from her accounts -- but I'm now worrying about this arrangement and I'm wondering if this would trigger additional FBAR reporting for me, of my wife's accounts. And then I think, if she gives me her debit card to buy something for her at the gas station, this is pretty much the same thing and I'd never consider reporting that.

I'm not looking to create a problem where none exists, I just find US tax requirements so confusing and nerve-wracking, and I'm wondering what you think.

[nelsona]

Uktimately she has sole authority over the account, I would not worry about this.