Form for opening a bank account without SSN
#1
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Form for opening a bank account without SSN
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
#2
Re: Form for opening a bank account without SSN
Originally posted by leebarton
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
#3
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Location: Louisville, KY/Germany
Posts: 526
Re: Form for opening a bank account without SSN
Originally posted by leebarton
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
#4
Re: Form for opening a bank account without SSN
Originally posted by kariml
I'm not sure what form your referring to, but it is a federal regulation that banks ask for a SSN when setting up your account, so it is not necessarily bank specific. Most banks will go ahead and add you to your spouse's existing account without the SSN and you would be able to write checks. Not having a SSN would put an alert on the account that would prohibit you from using a debit card on the account.
I'm not sure what form your referring to, but it is a federal regulation that banks ask for a SSN when setting up your account, so it is not necessarily bank specific. Most banks will go ahead and add you to your spouse's existing account without the SSN and you would be able to write checks. Not having a SSN would put an alert on the account that would prohibit you from using a debit card on the account.
Agreed, BOA said that I could add my spouse to the account without him having an SSN yet. However they did say to advise them as soon as he got one.
#5
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Location: Derry, NH Via Salem, NH via Ma, NC, ex Manchester, UK.
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You could always let your significant other control the purse strings!!
#6
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Re: Form for opening a bank account without SSN
Hello
My wife got a SSN when she worked her last year. We are waiting on the K3
now but I was wondering, could I add her to my account with that SSN? Will
it be recognized or does she have to do something when she comes here to get
it reinstated or changed?
Thanks
Rich
My wife got a SSN when she worked her last year. We are waiting on the K3
now but I was wondering, could I add her to my account with that SSN? Will
it be recognized or does she have to do something when she comes here to get
it reinstated or changed?
Thanks
Rich
#7
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Posts: n/a
Re: Form for opening a bank account without SSN
Rich Coloyan wrote:
> Hello
> My wife got a SSN when she worked her last year. We are waiting on the K3
> now but I was wondering, could I add her to my account with that SSN? Will
> it be recognized or does she have to do something when she comes here to get
> it reinstated or changed?
Hi All,
If she was assigned an SSN from the Social Security Administration, that's her
SSN to the grave and beyond. Now depending on the type of card she was issued,
she probably will want to apply for an unrestricted card once she has an I-551
stamp or card.
Take care,
Mike
> Hello
> My wife got a SSN when she worked her last year. We are waiting on the K3
> now but I was wondering, could I add her to my account with that SSN? Will
> it be recognized or does she have to do something when she comes here to get
> it reinstated or changed?
Hi All,
If she was assigned an SSN from the Social Security Administration, that's her
SSN to the grave and beyond. Now depending on the type of card she was issued,
she probably will want to apply for an unrestricted card once she has an I-551
stamp or card.
Take care,
Mike
#8
Re: Form for opening a bank account without SSN
Originally posted by leebarton
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
Hi,
I wonder if anyone can help. Is there a standard form for flagging that you don't have a SSN yet when you open a bank account or get added to your parters account, or is it bank specific? If it is a standard form it is available in pdf format anywhere?
I did some searches on previous similar threads and couldnt find a form number but did find mention of one.
Thanks in advance
Lee
The form:
http://www.bankofamerica.com/creditc.../nsbw_form.doc
The instructions:
http://www.bankofamerica.com/creditc...tructions6.pdf
#9
Joined: Nov 2002
Posts: 1,816
Hi!
I applied for a checking account 2 days after I got here. It was with Bank of America, and my lack of SSN wasn't a prob. They created a temporary tax ID, and told me to let them know as soon as I got my SSN. Your best bet would be to sit down with an associate of a bank who will let you open one without an SSN, and explain your situation.
Kate. xxxxxxx
I applied for a checking account 2 days after I got here. It was with Bank of America, and my lack of SSN wasn't a prob. They created a temporary tax ID, and told me to let them know as soon as I got my SSN. Your best bet would be to sit down with an associate of a bank who will let you open one without an SSN, and explain your situation.
Kate. xxxxxxx
#10
Karimi said:.............. "it is a federal regulation that banks ask for a SSN when setting up your account"
Actually, no it's not. A lot of people think that, but it's not always true that you have to have a SSN.
What you need is a Federal Form W-8.
Here it is: http://www.irs.gov/pub/irs-pdf/fw8ben.pdf
Be forewarned, a lot of Bank Employees are ignorant of this form. You have to be persistant . If they tell you no, ask to see a manager. Keep going up the chain of command until you get someone that is competent.
Cheers,
Leslie
Actually, no it's not. A lot of people think that, but it's not always true that you have to have a SSN.
What you need is a Federal Form W-8.
Here it is: http://www.irs.gov/pub/irs-pdf/fw8ben.pdf
Be forewarned, a lot of Bank Employees are ignorant of this form. You have to be persistant . If they tell you no, ask to see a manager. Keep going up the chain of command until you get someone that is competent.
Cheers,
Leslie
#11
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Joined: Apr 2003
Location: Louisville, KY/Germany
Posts: 526
Originally posted by Scout
Karimi said:.............. "it is a federal regulation that banks ask for a SSN when setting up your account"
Actually, no it's not. A lot of people think that, but it's not always true that you have to have a SSN.
Leslie
Karimi said:.............. "it is a federal regulation that banks ask for a SSN when setting up your account"
Actually, no it's not. A lot of people think that, but it's not always true that you have to have a SSN.
Leslie
Last edited by kariml; Jul 10th 2003 at 4:02 pm.
#12
Kariml, My degree is in banking. I researched this thoroughly when we went through it ourselves. It is not a federal regulation that a bank be provided with a social security number when applying for an account. It's a good idea, but not a regulation and there are many instances when a bank opens an account without a SSN. We obtained an account without one as did Kate.
You have up to 3 years to keep the account open when using the federal form W-8.
I don't want people to get the impression that a SSN is a requirement in the context that we are discussing here. While I as an USC would have a difficult time opening an account without divulging my SSN, it is indeed possible for foreign visitors to this country to open one. It's done every day in the course of business.
Cheers,
Leslie
You have up to 3 years to keep the account open when using the federal form W-8.
I don't want people to get the impression that a SSN is a requirement in the context that we are discussing here. While I as an USC would have a difficult time opening an account without divulging my SSN, it is indeed possible for foreign visitors to this country to open one. It's done every day in the course of business.
Cheers,
Leslie
#13
Originally posted by Scout
Kariml, My degree is in banking. I researched this thoroughly when we went through it ourselves. It is not a federal regulation that a bank be provided with a social security number when applying for an account. It's a good idea, but not a regulation and there are many instances when a bank opens an account without a SSN. We obtained an account without one as did Kate.
You have up to 3 years to keep the account open when using the federal form W-8.
I don't want people to get the impression that a SSN is a requirement in the context that we are discussing here. While I as an USC would have a difficult time opening an account without divulging my SSN, it is indeed possible for foreign visitors to this country to open one. It's done every day in the course of business.
Cheers,
Leslie
Kariml, My degree is in banking. I researched this thoroughly when we went through it ourselves. It is not a federal regulation that a bank be provided with a social security number when applying for an account. It's a good idea, but not a regulation and there are many instances when a bank opens an account without a SSN. We obtained an account without one as did Kate.
You have up to 3 years to keep the account open when using the federal form W-8.
I don't want people to get the impression that a SSN is a requirement in the context that we are discussing here. While I as an USC would have a difficult time opening an account without divulging my SSN, it is indeed possible for foreign visitors to this country to open one. It's done every day in the course of business.
Cheers,
Leslie
Many banks instruct their employees to ALWAYS get a valid W-8 or W-9 instead of knowing the diference between when one is required and when one is not if they are unsure but they should allow people to open the account no probs.
Strictly a W-8 is not required for a non-interest bearing account but they usually get one anyway.
#14
Lairdside said: "If they have been properly trained they should know about W-8's and W-9's"
That is precisely the problem! Sadly, you get what you pay for these days. Many bank employees simply are ignorant of the matter or don't care.
Cheers,
Leslie
That is precisely the problem! Sadly, you get what you pay for these days. Many bank employees simply are ignorant of the matter or don't care.
Cheers,
Leslie
#15
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Joined: Apr 2003
Location: Louisville, KY/Germany
Posts: 526
Originally posted by Scout
Kariml, My degree is in banking. I researched this thoroughly when we went through it ourselves. It is not a federal regulation that a bank be provided with a social security number when applying for an account. It's a good idea, but not a regulation and there are many instances when a bank opens an account without a SSN. We obtained an account without one as did Kate.
You have up to 3 years to keep the account open when using the federal form W-8.
I don't want people to get the impression that a SSN is a requirement in the context that we are discussing here. While I as an USC would have a difficult time opening an account without divulging my SSN, it is indeed possible for foreign visitors to this country to open one. It's done every day in the course of business.
Cheers,
Leslie
Kariml, My degree is in banking. I researched this thoroughly when we went through it ourselves. It is not a federal regulation that a bank be provided with a social security number when applying for an account. It's a good idea, but not a regulation and there are many instances when a bank opens an account without a SSN. We obtained an account without one as did Kate.
You have up to 3 years to keep the account open when using the federal form W-8.
I don't want people to get the impression that a SSN is a requirement in the context that we are discussing here. While I as an USC would have a difficult time opening an account without divulging my SSN, it is indeed possible for foreign visitors to this country to open one. It's done every day in the course of business.
Cheers,
Leslie
I see your point about the difference between being a US citizen and an immigrant without a SSN. Sorry if I caused any confusion.
P.S. My degree is in banking and finance also
Last edited by kariml; Jul 10th 2003 at 6:13 pm.