The rule indicates one account "per person".
As long as you are following the rules, this should not be an issue, however, if action were taken against one of your accounts, it is possible this would impact the other.
As far as fg, while there is no rule against donating FG, banking FG on another account with the intent of retrieving it at a future time is not allowed.
It is always best to keep things separate when it comes to same household accounts.
I have no interest in taking the fg back from him, as I'm sure he'll spend it all XD but thank you for the info. I just wanted to confirm these things before we did anything against any rules.