Whoever the account mandate authorises. Check the agreement rather than assuming either holder can move a sum this size alone. If part of the money is your spouse's, document that contribution instead of describing it loosely as yours. Where your spouse is also joining the application, the same facts will appear in both files.
Sorting authority and ownership before the wire goes out
Two documents usually answer this: the account agreement, which sets who may instruct, and the record of how the funds entered the account, which shows whose money it is. A joining spouse or unmarried child under 21 each adds US$15,000 and a US$1 million gift, and initial inclusion is officially recommended, so decide the household's participation before you fix the payment plan.
The official family description covers an eligible spouse and unmarried children under 21. Payment alone does not establish derivative eligibility or freeze age universally. Do not invent a combined-payment procedure or assume a single transfer automatically identifies all applicants.