Plan A. I would like to use the 65K per month income meathod, Direct Deposit, for my Visa in October. I just transferred in October 2018 to February 2019 monies, in a non joint account, in a lump sum and from March on there will be 65K plus deposited each month. My question is will they accept as the first five months was lump sum coupled with the 65K plus for the next seven months? I also can show a print out of this money being paid monthly to me in the USA. Plan B is having 800K in a different non joint account to show if required but not thrilled about the 2 months before, 3 months after and then leaving 400k.