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How to open the USA bank accout(debit card) for non-resident

How to open the USA bank accout(debit card) for non-resident

Old Nov 9th 2010, 1:45 am
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Default How to open the USA bank accout(debit card) for non-resident

Hello,

anyone knows how to open the USA bank account(debit card) as a non-resident being in the states? please share your experience.

Thank You.
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Old Nov 9th 2010, 1:48 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by Mantas View Post
Hello,

anyone knows how to open the USA bank account(debit card) as a non-resident being in the states? please share your experience.

Thank You.
You just go into a bank and do it.


Sure looks like you are immigrating.
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Old Nov 9th 2010, 1:53 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by meauxna View Post
You just go into a bank and do it.


Sure looks like you are immigrating.
If the OP is a non resident, opening a bank account will be difficult if not impossible without a SSN or a TIN. When I moved here years ago I tried to open a bank account before my SSN card arrived and got short shrift by the bank.


Shane
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Old Nov 9th 2010, 1:58 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by meauxna View Post
You just go into a bank and do it.


Sure looks like you are immigrating.
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Old Nov 9th 2010, 2:17 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by Mantas View Post
Hello,

anyone knows how to open the USA bank account(debit card) as a non-resident being in the states? please share your experience.

Thank You.
Why do you need a US bank account as a non-resident? Just use ATMs to withdraw directly from your UK bank.

...It's not like you need to set up direct debit for utility bills or direct deposit for a paycheck or anything, after all.......
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Old Nov 9th 2010, 2:46 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by Mantas View Post
Hello,

anyone knows how to open the USA bank account(debit card) as a non-resident being in the states? please share your experience.

Thank You.
Walk in to a branch and open one. You do not need a SSN to open an account.
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Old Nov 9th 2010, 3:00 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by fatbrit View Post
Walk in to a branch and open one. You do not need a SSN to open an account.
And I quote under the terms of The Patriot Act :-

"Background checking
Here is what is required when a new account is opened:

A. The institution must verify the identity of any person seeking to open an account by obtaining customer identification that includes:

1. Name
2. Date of birth
3. Address
4. Identification number -- a taxpayer identification number for American citizens or a government-issued document for noncitizens.

Furthermore;

B. The institution must maintain records of the information used to verify the person's identity.

Originally, the regulations required financial institutions to keep a photocopy of whatever document was used for identification. That rule has been changed; they will only have to keep a written record of the document.

C. Determine whether the person appears on any lists of known or suspected terrorists or terrorist organizations provided to the financial institution by any government agency.

Those provisions may seem fairly harmless, but Boston-based Dalbar, a financial industry consulting firm, says institutions have the ability to ask much more intrusive questions should they decide it's necessary.

For instance, Dalbar says institutions could include questions about:

* Other accounts with links to the customer
* Nature of the customer's business and occupation
* Name and address of employer
* Customer's wealth
* Source of customer's income
* Customer's tax status
* Source of customer's funds used to open account
* Customer's investment objective

"The regulations require a very limited amount of documentation: a valid drivers license or passport for a foreigner, valid street address and date of birth. They'll also check the suspect database," says Charles O'Neill of Dalbar. "
http://www.bankrate.com/brm/news/bank/20030930a1.asp
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Old Nov 9th 2010, 3:07 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by expatbritsc View Post
And I quote under the terms of The Patriot Act :-

"Background checking
Here is what is required when a new account is opened:

A. The institution must verify the identity of any person seeking to open an account by obtaining customer identification that includes:
4. Identification number -- a taxpayer identification number for American citizens or a government issued document for noncitizens.
ie a passport.
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Old Nov 9th 2010, 3:12 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by MsElui View Post
ie a passport.
That swings solely on the bank, and which government? The foreign one or the US...

Also State law goes into play with this as well as some if not all banks now do credit checking thru experian etc.

Best to ask the bank it's self I suppose.

However, that Patriot Act is something else indeed.. :-(
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Old Nov 9th 2010, 3:29 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by expatbritsc View Post
And I quote under the terms of The Patriot Act :-

"Background checking
Here is what is required when a new account is opened:

A. The institution must verify the identity of any person seeking to open an account by obtaining customer identification that includes:

1. Name
2. Date of birth
3. Address
4. Identification number -- a taxpayer identification number for American citizens or a government-issued document for noncitizens.

Furthermore;

B. The institution must maintain records of the information used to verify the person's identity.

Originally, the regulations required financial institutions to keep a photocopy of whatever document was used for identification. That rule has been changed; they will only have to keep a written record of the document.

C. Determine whether the person appears on any lists of known or suspected terrorists or terrorist organizations provided to the financial institution by any government agency.

Those provisions may seem fairly harmless, but Boston-based Dalbar, a financial industry consulting firm, says institutions have the ability to ask much more intrusive questions should they decide it's necessary.

For instance, Dalbar says institutions could include questions about:

* Other accounts with links to the customer
* Nature of the customer's business and occupation
* Name and address of employer
* Customer's wealth
* Source of customer's income
* Customer's tax status
* Source of customer's funds used to open account
* Customer's investment objective

"The regulations require a very limited amount of documentation: a valid drivers license or passport for a foreigner, valid street address and date of birth. They'll also check the suspect database," says Charles O'Neill of Dalbar. "
http://www.bankrate.com/brm/news/bank/20030930a1.asp
Yep cause all banks do that when you open an account dont they!
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Old Nov 9th 2010, 3:34 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by traceym View Post
Yep cause all banks do that when you open an account dont they!
Its all rather confusing I grant you, but the OP is a non resident in the USA. That in and of its self is problematical. :-(
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Old Nov 9th 2010, 3:35 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by expatbritsc View Post
Its all rather confusing I grant you, but the OP is a non resident in the USA. That in and of its self is problematical. :-(
Aha, the art is in reading what's not asked not what is!
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Old Nov 9th 2010, 3:44 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by traceym View Post
Aha, the art is in reading what's not asked not what is!
hehehe traceym. quite so :-)
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Old Nov 9th 2010, 4:00 am
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by expatbritsc View Post
Its all rather confusing I grant you, but the OP is a non resident in the USA. That in and of its self is problematical. :-(
It's not a problem at all. Take your passport in and you can open a checking account. Thousands of Brits do it every year.
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Old Nov 9th 2010, 2:44 pm
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Default Re: How to open the USA bank accout(debit card) for non-resident

Originally Posted by meauxna View Post
You just go into a bank and do it.


Sure looks like you are immigrating.
Buying cars, getting debit cards . . . .
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