I don't actually know if this is the best answer, but I found a semi-solution for RBC. I added all my accounts (most of which are shared with my spouse) and then needed to add my spouse's credit card. When I did so, all of our shared accounts were added again so that I had duplicate accounts/transactions.
1) I renamed each of the duplicate accounts as "Duplicate" - Chequing Duplicate and so on.
2) I selected each duplicate account individually in transactions, selected every transaction within that account and clicked "EDIT MULTIPLE". From there you can select "Mark as Duplicate" so that your budgets don't get all funny.
3) If you go in to edit your accounts, you can change the status from "Active" to "Closed". That way no new transactions from the duplicates will show up. And since I renamed them all with "Duplicate", I can easily see which account are closed and which are active.
This has worked well for me, except that my "total accounts" is showing to be twice as many as I actually have. I'm not sure how to fix that part.
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