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Do you open your bank accounts online?
 

When i opened my first bank account i went online. Soon enough the bank account was closed because the bank said i was a risk to them. Later on i found out that it was closed because it was my first bank account and i needed to show proof of ID to the bank. I want to open up a couple of bank accounts under my dads name. I was wondering if it would be better to go with him and tell him to open up these accounts at the bank or would it be safe and problem free to open them up online?

So much better to open them yourself under your name and show ID - build relationship with your bank - why not?

Rsot is right on.

Loophole, you've been here a while now, so I'm sure you've seen some of the horror stores from people using family members info.

It would be a much better decision to go into the bank abs open the account under your name.

What I clearly don't understand is you clearly haven't grasped the concept of going stealth have you "Loophole", because you've been a member on here for a while you've got the stealth guide. But then again your finding difficulties in applying for new Bank accounts, never ever use family members because it will all end in tears. Apply for the Bank account in your sole name and your name only, I've never opened a US Bank account although being a UK national I wouldn't need to. I hope you resolve this issue my friend!

rsot is right on again ;)

I open all mine up online. BOA. WOrks fine every time.

All US banks need ID before opening an account, at least your first one with them, no matter how you do it.

Regardless....No way would I use a family member's account for a stealth PP.

Bank Of America don't.. i opened 13 Bank of America accounts in the last 120 days online.

never had to go into the bank for anything, never had to show id or SS card..


I also opened accounts online for my girlfriend for nothing related too ebay, She needed a bank account and set her up online as well with i believe was Ally

They did that for a new person with no account there.....with no signature card mailed and no ID required?

They made me go in and show them everything for the account I opened less than a month ago. Something is not right, they have strict laws in the US now, but things do get overlooked.

Im not saying you are right or i am right.....................

I do know, I never went in and filled out anything,. And all of my accounts have 3 sub accounts as well on them..

All are active and debit cards activated at ATM and I have withdrawn off of all of them..

What type of account did you open with BOA ?

I must try this with BoA. Quite unbelievable if it works.

I strongly agree too with going to your financial institution on your own to open your account with your own personal information. Like Lakeman said above...there are a LOT of Horror stories doing otherwise.

Good luck
waterproof =}

I never physically went into BOA for my accounts either. You have to do a bunch of crap online though to verify you.. Even do a signature with your mouse. lol..

Been a year or so on one and never have been inside the bank.

hahahahaha mouse signature. Whats next

I believe you! I am just amazed they are getting away with it. It reminds me a bit of the major pharmacy that got busted for not tracking/limiting sales of certain over the counter drugs used to make Meth.....it will come back to haunt them possibly. But, you might as well use it while you can!

I opened a checking and savings account. I already had an account with them, but they still made me come in.

They told me if I did it online, they would still have to mail me a signature card to sign and send back in. Classic example of one hand not knowing what the other hand is doing?

Odd, I just did one 2 weeks ago and didnt get anything saying I need to come in. They do the sig cards online now for BOA. They did with mine. Odd that they do different things for dif people. Maybe it has something to do with past history, credit, location, etc.

sounds like EB/PP lol

I have a checking account with BoA right now. How do I open up sub-accounts?

From wht I have read its sounds like it is easier to just go to the counter and do it.

I just open new accounts every time completely separate.

Go to their site, select eChecking and check the box that says you are an existing customer.

I should have said what they are "allegedly" doing.


There is a law against what BOA is doing, so I think it is just being overlooked randomly.

Well I opened my Bank of America checking account online and they did not send my anything about verification, but a week later I got a letter saying my account had been closed do to high risk. I called them and they said it was because I opened it online and if I came into the office I could open another account with them. I guess it is different for different people and places.

I really think it has to do with past banking history, credit history, perhaps income, who knows, odd for sure. Ask them when you go in as to what the details were to close it. If they dont know ask to contact the person that does. I would want to know for sure if they let me open one and then close it for the reason of high risk.

And what law is that? You do everything online. Ive gotten a credit card that i ordered online. I set up my BoA account online back in 2010 and my Chase bank about 6 months ago. BoA asked alot of questions though. Alot of credit history questions, previous addresses, fathers middle name, sisters age, to me it just seem like random questions and how the hell would they even know the answers? Cause im sure my fathers middle name and my sisters age IS NOT in my credit report.

I also set up an Ally bank account last week, no problems. Im sure if there was a law against it, no bank would allow you to open a bank account online. The option is there to keeps the lines and wait time at the bank lower, so the bank tellers and other people working there get paid for doing less work. I love the technology world. Have less people working for a corporation, computers doing most of the work, and people get paid more. 21 Century! OohRah!

the last statement in the post is why america struggles in many many ways. I use my local banks a lot also. When you get a good rep with them they will work for you not against you.

I'm with Ally too. Never gave me any problems. I used to use ING Direct with my stealth accounts but they started giving me (and many others I'm sure) problems.

What type of problems did you have with ING? I'm using both Ally and ING both with 10 savings account each. Only problem i'm running into now is with ALLY its not allowing paypal to verify the bank account.

wow maybe I should keep some $$ in there. I transfer all the $ to my main account once the $ hits Ally

I think i brought it on myself, i complained about a fee i was charged... and that i think got my account looked into > < Ally was great i wish there was a similar online alternative.

ing works perfect with me. ive used it for over 6 months with 10 saving accounts

i swore i read on here ING will reject deposits that aren't your name?

all 10 of my ING saving accounts are under my name but they are connected to stealth paypal with different names.

I think what Moscutter meant was that ING does not accept deposits from PayPal accounts that have names different than that on the bank accounts.

ING has accepted all my deposits from paypal account. all my paypal accounts are verified through ING bank...its ALLY that has all of the sudden denied paypal deposits

ahh yeah never had that problem with ally, but i am sure it is random

So both Ally and ING can accept PayPal deposits with a name on the PayPal account that is different than that on the bank account?

What happened to the thread where it showed a lot of banks that dont care if paypal name differs? Would help greatly

Yeah Im wondering the same thing what banks allow funds to be transfered with the name being diff?

Any updates on ing?

Like KingRay, I use BOA. I opened my first account with them 4 years ago after moving to TX from OK. If I remember correctly I had to sign a document and mail it back to BOA. I don't remember if they sent it to me or I printed it off my computer. I opened a new BOA checking account last week and another checking account today. These two new checking accounts will eventually be linked to my two new pp accounts.