Regarding two bank accounts:
My bank separated my current and fixed deposit accounts into two accounts, making it appear as though my funds were held in two different banks.
When applying for DTV, I wrote a letter explaining that they were held in the same bank, but the consulate simply ignored it.
They didn't look at the total amount; they needed to be in the same account to meet their requirements. So, I transferred the money from my fixed deposit to my current account, and that was approved.
If you also have two accounts, I recommend combining your funds.