ideas on adding bank accounts

[shenzhenthor]

Just to be clear to everyone a SSN is not a requirment to open a bank account for a non-us person, walk into any bank, slap your passport down, open it to the visa page, leave with an account. If you are more than 6 months out of status, you MAY be denied the account.

[GreenBean]

Valid overseas ID and correct resident status in the USA allows people to open bank accounts. Been like that for a number of years.

[dennisjaneway]

Hey,

and if u apply for a ITIN from the IRS u can open new account with BoA online, so thats the best way to open and close (close by chat is the easiest) bank accounts online

Greetz

Dennis

[First Edition]

it's been discussed in other threads that people who open accounts with bank of america online will cause issues down the road...

Also, using a tax ID number in place of a ssn when you have an ssn and if you don't tell them you're giving them a tax ID... this is a fairly serious crime.

[dennisjaneway]

not really true!

i opened my first accounts with them with a ITIN!

You should ask their Chat-Rep how to do that!

Only foreigns can get a ITIN-Number, so u will never see that a US-Citizen will have a ITIN-Number. And when u have a SSN, for what reason will u ever use a ITIN? And by the way, most systems will decline the application cause the ITIN-Number begins with a 9. BoA is the only bank (that i know) who allow ITIN-Numbers in their applications.

Here is also a nice article (ok not for my case) but also illegal aliens can get Bank or credit cards without that SSN.

snopes.com: Bank of America Credit Cards for Illegals

That "program" is still active and running

Here is a Step-By-Step way:

1. Citizenship (of course when u give them a ITIN-Number its NEVER USA!) in my case it was Germany

2. The Rep told me, i need to fill out that form with my ITIN. Every bank i worked with the past years (before i received my SSN) had my ITIN-Number in the field of the SSN and their is one special reason

3. ITIN-Number begins with a 9!, no SSN begins with a 9!, so the bank knows exactly that this is NOT a SSN, its a Tax-ID Number.

I dont see any crime here, not even when the Rep will tell you how to fill out that form and the system accept that Tax-ID, we are talking here about a Gov-issued legit number, not a stolen or ⊗⊗⊗⊗ SSN.

I opened a BoA-secured Credit Card, a BoA Checking + Savings Account with the ITIN-Number online!, not a problem, okay for the CC, its req. that you go into the branch, but as long as the data is legit and you really live at the adress you give them, i dont see any problem.

Its not that the SSN is the only thing you can use when u open accounts, maybe banks tell you that as a citizen, but its not true. As i read in your other posts, you were also wrong about "how to open a bank account with only a passport".

When i was on holiday 3 years ago, i opened my first SunTrust Bank Account with only my passport, i was on a 3-month Visa (so when u fill that out in the airplane, u will not getting any printed VISA in your passport). The only thing the Bank want to see was the first page of the passport, no VISA, and of course a US-Adress where they can send the Debit-Card.

Greetings

Dennis