This page should be useful to you.
1. You do not need a joint account, as long as the spouse is accompanying. You do need a document stating that the money in the spouse's account is free to use. You must prove that the primary applicant has access to the money.
2. Gather funds as early as possible. One of the requirements for the proof of funds is that the letter must show your account balance for the past 6 months. The balance does not need to be above the proof of funds for all six months but if you have a sudden influx of money right at the end they will likely be suspicious and you will need to explain it. They want to know that the money will still be there when you land.
3. The money has to be free for you to use immediately, and it must be a stable source, so not stocks or a retirement fund. Ideally it's in a savings account.
4. The only requirement is a statement from your bank, as stated on their site. Here is the exact wording they say:
For proof, you must get official letters from any banks or financial institutions where you’re keeping money.
Letter(s) must
- be printed on the financial institution’s letterhead
- include their contact information (address, telephone number and email address)
- include your name
- list outstanding debts such as credit card debts and loans
- include, for each current bank and investment account, the
- account numbers
- date each account was opened
- current balance of each account
- average balance for the past 6 months
The reason you will see some people getting bank statements, etc, is because their bank c
would not print the letter with everything IRCC asked for, so they are trying to cover all the requirements, and then they will provide a letter of explanation saying why they didn't give the letter in the correct format and what they did provide. If you can get the document with everything they ask then its fine. My bank would not put my account number on the letter so we printed out a statement with my account number on it and they stamped it for me.
5. If you are not sure when you will get an ITA then its better to wait, as I found it was very easy to get this letter from my bank. My score was 481 so I was 100% certain I would be drawn, which is why I got it slightly early. It allowed me to apply immediately when I got the ITA and it took one more thing off my plate. You want it to be dated as recently as possible because IRCC is trying to see your current funds.
6. Not sure how gift deeds work but many people use them (I did not). Again, you need to prove the primary applicant has access to these funds somehow.