Its one card per family if they live at the same residency.

Again, its just a matter of reporting. If you start splitting up the money, you are only going to cause them to pry even further, wasting everyones time. Theres no special tax or fee you need to pay, they just want to make sure the money is "clean". If its clean, you will have no issues. If you are looking for ways to skirt the screening, I'm afraid you are in the wrong forums.