Jump to content
Hypnos

Bank refusing to open new account because SSC "valid for work only with DHS authorization"

 Share

40 posts in this topic

Recommended Posts

The social security card is only not valid for work with that endorsement, for all other purposes there should be no issue. For banking there should be no issue, but they are choosing to make a big deal out of it.

All that is required for opening a bank account is (1) valid picture ID, and (2) either a social security number or an ITIN if it is an interest-bearing account. This is only to prove my identity, that I am who I am say I am and that my social security number is what I say it is.

Why are you so insistant on using a bank that clearly couldn't care less about having you as a customer? Find another bank.

Link to comment
Share on other sites

Because 2% cash back on a debit card for most purchases is something that you cannot find anywhere else. This isn't my first rodeo, I have had an account elsewhere (at another US bank) for some time now, but decided to move to one which would actually be worth my while.

The bank actually replied, and stated that I had not provided evidence of lawful status. My response to them today was that it was impossible to provide something which I was not asked for, and indicated that I could show them my EAD if that would satisfy their requirements.

I'm not sure jumping through all these hoops is worth what they are offering, since all of this has left a bad taste in my mouth viz-a-viz their lack of communication.

Edited by Hypnos

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

Link to comment
Share on other sites

It's only 2% cash back if you're making an online purchase at one of the specified retailers, which is only just a few places. Not really worth going through so much hassle, but YMMV.

Because 2% cash back on a debit card for most purchases is something that you cannot find anywhere else. This isn't my first rodeo, I have had an account elsewhere (at another US bank) for some time now, but decided to move to one which would actually be worth my while.

The bank actually replied, and stated that I had not provided evidence of lawful status. My response to them today was that it was impossible to provide something which I was not asked for, and indicated that I could show them my EAD if that would satisfy their requirements.

I'm not sure jumping through all these hoops is worth what they are offering, since all of this has left a bad taste in my mouth viz-a-viz their lack of communication.

Part One: The K-1 Visa Journey:

USCIS Receipt of I-129F: January 24, 2012 | Petition Approval: June 15, 2012 (No RFEs)
Interview: October 24, 2012 - Review | Visa Delivered: October 31, 2012



Part Two: Entry and Adjusting Status:

POE: November 18, 2012 (at SFO) - Review
Wedding: December 1, 2012 | Social Security: New cards received on December 7, 2012.
AOS Package (I-485/I-765/I-131) NOA1: February 19, 2013 | Biometrics Appt.: March 18, 2013
AP/EAD Approved: April 29, 2013 | Card Received: May 6, 2013 | AOS Interview Appt.: May 16, 2013 - Approved Review Card Received: May 24, 2013

Part Three: Removal of Conditions:

Coming Soon...

"When you're born you get a ticket to the freak show. When you're born in America, you get a front row seat." – George Carlin

Link to comment
Share on other sites

And since I do a lot of purchasing at Walmart and Amazon (both on their list) it seemed like a no-brainer of a good idea. Now, less so...

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

Link to comment
Share on other sites

Filed: Citizen (apr) Country: Ukraine
Timeline

After recently receiving my social security card (my I-485 is still pending, so I used my EAD to obtain the SSN) I tried to open a new bank account at the online bank Perkstreet.

As part of the process, they asked for a copy of my social security card "for verification", which I supplied. A couple of days later I received a notice in the mail, stating that they "could not open an account at this time", due to "bank policies" preventing their acceptance of "a tax identification number that is 'Valid for Work Only with DHS Authorization'".

Needless to say, I am not happy about this.

1) They stated I provided a "tax identification number" (presumably meaning an ITIN, whereas I actually provided a social security number and card).

2) Isn't this discriminatory against immigrants?

I am applying for an online debit card and checking account. There is no credit check, so my lack of credit history should not be an issue.

I have emailed them asking them to reconsider, and stated that I will file a complaint with the Consumer Help Division of the Federal Reserve, should they continue to refuse to open an account based upon the reason they stated. I am also thinking that it may violate the law prohibiting discrimination against immigrants, although I would need to research that more.

I just wondered if anyone else had run into this issue and had experience in resolving it.

1. SSN is a tax ID number. So is an ITIN

2. It discrimnates against people with a restriction on their SSN, that is perfectly legal.

Use another bank.

VERMONT! I Reject Your Reality...and Substitute My Own!

Gary And Alla

Link to comment
Share on other sites

Filed: Citizen (apr) Country: Russia
Timeline

i kinda had the same problem. before i got my state ID, a local bank didn't want to open a bank account for me because i didn't have a "valid form of identification".. apparently an EAD from DHS and a SS card are not enough.. oh well, I took my business elsewhere, haven't regretted it since.

event.png

Link to comment
Share on other sites

Filed: IR-1/CR-1 Visa Country: India
Timeline

If bank does not want your business, take your business to someplace else.

I just opened an account couple weeks back with chase and all they needed was my DL and SSN(verbally) heck I did not even had the card on me if he would had insisted to show the card.

Ontop I still have old ssn card which says valid only with work authorization I never got it removed.

Link to comment
Share on other sites

The OP has a friggin EAD card. That is the "authorization" that validates the SS card.

The bank doesnt want your business. There a a jillion banks. Find one that does.

Are you an immigrant yet or just a B2 visitor? Seems like without permanent resident status, you are not likely guaranteed any rights. Maybe you just need to calm down, get the greencard, change your Social Security card, then start making demands. Many K1s can't get a driver's license or work immediately, but thats the rules and I don't see it as discrimination. It takes a while for things to fall into place, especially adjusting from a tourist visa.

 

i don't get it.

Link to comment
Share on other sites

You certainly can; check out Title II of the Civil Rights Act (1964).

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

Link to comment
Share on other sites

The OP is running into the Bush-era anti-terrorism / laundering laws and all of the new banking requirements. Whatever rights you had in 1964 (LOL) were slightly modified during the "war on terror" - LOL

Some banks want to fool with it and some don't. Repeat - find a bank who does.

You certainly can; check out Title II of the Civil Rights Act (1964).

 

i don't get it.

Link to comment
Share on other sites

Filed: IR-1/CR-1 Visa Country: China
Timeline

So, what news today? Were you successful in training up a CSR for valid DHS documentation, or no ?

Sometimes my language usage seems confusing - please feel free to 'read it twice', just in case !
Ya know, you can find the answer to your question with the advanced search tool, when using a PC? Ditch the handphone, come back later on a PC, and try again.

-=-=-=-=-=R E A D ! ! !=-=-=-=-=-

Whoa Nelly ! Want NVC Info? see http://www.visajourney.com/wiki/index.php/NVC_Process

Congratulations on your approval ! We All Applaud your accomplishment with Most Wonderful Kissies !

 

Link to comment
Share on other sites

I'm having the same issue with online banks - I cannot find one that will let me open an account! They've turned me down not having a previous US address, state ID, not having a bank account in the US - I had issues even being added to my husband's online account and still dealing with that.

But yeah, I understand why you want a particular bank, I want to have an online bank - after living in Canada paying $14-$40 a month in banking fees, I want a freaking deal!

Link to comment
Share on other sites

You certainly can; check out Title II of the Civil Rights Act (1964).

You may want to get acquainted with the USA Patriot Act, in particular, Title III.

I'm having the same issue with online banks - I cannot find one that will let me open an account! They've turned me down not having a previous US address, state ID, not having a bank account in the US - I had issues even being added to my husband's online account and still dealing with that.

But yeah, I understand why you want a particular bank, I want to have an online bank - after living in Canada paying $14-$40 a month in banking fees, I want a freaking deal!

A lot of physical banks and credit unions offer free to low-cost checking options, especially if you have a direct deposit or automatic checking withdrawal on a monthly basis.

Part One: The K-1 Visa Journey:

USCIS Receipt of I-129F: January 24, 2012 | Petition Approval: June 15, 2012 (No RFEs)
Interview: October 24, 2012 - Review | Visa Delivered: October 31, 2012



Part Two: Entry and Adjusting Status:

POE: November 18, 2012 (at SFO) - Review
Wedding: December 1, 2012 | Social Security: New cards received on December 7, 2012.
AOS Package (I-485/I-765/I-131) NOA1: February 19, 2013 | Biometrics Appt.: March 18, 2013
AP/EAD Approved: April 29, 2013 | Card Received: May 6, 2013 | AOS Interview Appt.: May 16, 2013 - Approved Review Card Received: May 24, 2013

Part Three: Removal of Conditions:

Coming Soon...

"When you're born you get a ticket to the freak show. When you're born in America, you get a front row seat." – George Carlin

Link to comment
Share on other sites

As a final update today, I offered to show the bank a copy of my EAD and they did not go for it.

They stated that they need to see either an unrestricted social security card (in which case my Texas ID would be all that is required on top of that) or, if using a restricted social security card then they will have to see a green card to go with it and an EAD is not acceptable to them.

It would seem that I'm taking my business elsewhere.

Widow/er AoS Guide | Have AoS questions? Read (some) answers here

 

AoS

Day 0 (4/23/12) Petitions mailed (I-360, I-485, I-765)
2 (4/25/12) Petitions delivered to Chicago Lockbox
11 (5/3/12) Received 3 paper NOAs
13 (5/5/12) Received biometrics appointment for 5/23
15 (5/7/12) Did an unpleasant walk-in biometrics in Fort Worth, TX
45 (6/7/12) Received email & text notification of an interview on 7/10
67 (6/29/12) EAD production ordered
77 (7/9/12) Received EAD
78 (7/10/12) Interview
100 (8/1/12) I-485 transferred to Vermont Service Centre
143 (9/13/12) Contacted DHS Ombudsman
268 (1/16/13) I-360, I-485 consolidated and transferred to Dallas
299 (2/16/13) Received second interview letter for 3/8
319 (3/8/13) Approved at interview
345 (4/3/13) I-360, I-485 formally approved; green card production ordered
353 (4/11/13) Received green card

 

Naturalisation

Day 0 (1/3/18) N-400 filed online

Day 6 (1/9/18) Walk-in biometrics in Fort Worth, TX

Day 341 (12/10/18) Interview was scheduled for 1/14/19

Day 376 (1/14/19) Interview

Day 385 (1/23/19) Denied

Day 400 (2/7/19) Denial revoked; N-400 approved; oath ceremony set for 2/14/19

Day 407 (2/14/19) Oath ceremony in Dallas, TX

Link to comment
Share on other sites

 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.
Guest
This topic is now closed to further replies.
- Back to Top -

Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...