Originally Posted by
Tev
Some food for thought
300.3 Conductors
(B) All conductors of the same circuit and, where used, the grounded conductor and all equipment grounding conductors and bonding conductors shall be contained within the same raceway, auxiliary gutter, cable tray, cablebus assembly, trench, cable, or cord, unless otherwise permitted in accordance with 300.3(B)(1) through (B)(4).
Sadly (B)(1) through (B)(4) are quite specific. Even though (B)(4) deals with a similar situation to yours it cannot be applied because of how specific it is. If you did run just one common neutral to the main panelboard it would then be a multi-wire branch circuit and another code would come into play.
210.4 Multiwire Branch Circuits
(A) General
Branch circuits recognized by this article shall be permitted as multiwire branch circuits. A multiwire branch circuit shall be permitted to be considered as multiple circuits. All conductors of a multiwire branch circuit shall originate from the same panelboard or similar distribution equipment.
That last sentence it the problem, if you ran a common neutral to the main panel and then split it out through use of the main panel's neutral bar then the neutrals are originating from there and not the transfer panel.