Ignore the fact that they are married.
You said separate accounts...are they individual accounts, or joint accounts used separately?
Either way, I agree with Skittles, assuming these are in cash, two separate CTR's each for $11k.
I would consider possibly listing them on the same CTR for the total of $22k if they are joint on one of the two accounts involved in the transaction, but I think I still prefer two CTR's in this case.
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