My Pinay in the USA na, Social Security report

[Niblet 22]

My Pinay has been in the USof A now for about a month. went to get her SS card today,,took all of 20 minutes,,,

card will be in mail in 2 weeks. went to bank (Wells Fargo) to see if I could get her own account,,,

I had a Korean bank manager and a Mexican teller telling me they could not open an account ffor her with no SSN.

I thought that was pretty ironic what with me being the only native born person there

what is this country coming too?

Edited October 26, 2013 by Niblet

[Dave&Roza 748]

My Pinay has been in the USof A now for about a month. went to get her SS card today,,took all of 20 minutes,,,

card will be in mail in 2 weeks. went to bank (Wells Fargo) to see if I could get her own account,,,

I had a Korean bank manager and a Mexican teller telling me they could not open an account ffor her with no SSN.

I thought that was pretty ironic what with me being the only native born person there

what is this country coming too?

It is too bad that most people do not know the rules and just quote either bank policy or make things up. A SSN WAS for tax purposes only. If you received income--i.e. salary, interest, dividends, etc--you needed to give your SSN. If you could claim an expense on your taxes--i.e. mortgage interest and in the old days credit card interest-- you also needed to give your SSN. Those are the only people who by law require your SSN. Unfortunately the SSN has become a national ID and everybody says you need one in order to get this or that. The biggest laugh I got was at the Harrisburg Geneological Society where they had a space for the SSN on their sign-in sheet. It was amazing how many people put down their name, address, phone number, and their SSN. I left the space blank and the guy at the sign-in desk asked about my SSN. I told him that I refused to give it. It was like okay, no problem.

I have a SSN, but when someone asks me for it, I usually ask them why do they need it and what is their legal claim to requesting it. I guess I just like to have fun seeing how well trained people are . You would also be surprised at how ill-informed most bank employees are of what is needed when an account owner dies. BTDT. There are banks out there that will open an account without requiring a SSN. Find that one and put your money there. Or you can remind the bank that they are suppose to be working for you and if they want to continue to have your business then they will find a way to get the account opened without the SSN. You can always ask if they allow someone from a foreign country to open an account as that type of person will not have a SSN.

You can go back to the SSA and get a printout with the actual number on it. That is all that is needed--the number. We just completed a patient form at the dentist's office and they wanted my wife's SSN. I just rattled it off for them, never showed them the card. My wife has yet to memorize that number. But there is an example of a non-income reason for having to provide your SSN as all health insurance companies use that as an ID number.

I just wish we would make up our minds. Either the SSN is a national ID or it is not.

Sorry for the rank,

Dave

Edited October 26, 2013 by Dave&Roza

[lbounds 16]

When my wife came to the US I had her added to my bank account so it became a joint account. They asked for her SS # but we didn't have it yet. They said they would add her and complete the change to joint account but we should give her SS# later. They never really asked again later that was years back.

BTW when are you going to change your avatar to your fiance

Edited October 26, 2013 by lbounds

[Niblet 22]

Dave,

your spot on,,I knew the bank mgr was throwing me a line of BS,,I told him we had just come from the SS office,,(why didnt they give me a printout with her number?)

and he said "just wait until you get her number and come back",,to make things "easier"

what a crock

When my wife came to the US I had her added to my bank account so it became a joint account. They asked for her SS # but we didn't have it yet. They said they would add her and complete the change to joint account but we should give her SS# later. They never really asked again later that was years back.

BTW when are you going to change your avatar to your fiance

I tried the joint account thing with my other bank,,my credit union,,they wanted her to fill out a 8 page government form (forgot the number)

so they could tax any income derived from the account (my money) at a 30% rate! because she is a foreign person

Edited October 26, 2013 by Niblet

[lbounds 16]

Sorry you had that problem. My bank was bank of America. We had no issues with them or strange forms. That was about 4 years ago

[DavenRoxy 1,073]

A SSN is required because the bank must be able to report taxable interest on all account holders to the IRS. You can do it with the form as Niblet suggested, but when I saw it and the requirements, I said no way and just waited until she got her SSN. It IS waaay easier to do that way.

[Darnell 8,478]

niblet -

if she goes back to the SSA office the next day, after applying,

then she can get the number. not the card, but the number.

Try it, get it, go go go !

[cjmc 10]

We were able to open a joint account and also get Debit and Credit cards without Dahlia's SSN at B of A...they just said to come back in when she gets her SSN so she could start to establish credit on her credit report.

Should have her SS Card next week...the SS Office said it would only take about 10 days to receive it in the mail.

cjmc

[sheree 2]

A SSN is required because the bank must be able to report taxable interest on all account holders to the IRS. You can do it with the form as Niblet suggested, but when I saw it and the requirements, I said no way and just waited until she got her SSN. It IS waaay easier to do that way.

?? I agree.

Edited October 26, 2013 by sheree

[DavenRoxy 1,073]

We were able to open a joint account and also get Debit and Credit cards without Dahlia's SSN at B of A...they just said to come back in when she gets her SSN so she could start to establish credit on her credit report.

Should have her SS Card next week...the SS Office said it would only take about 10 days to receive it in the mail.

cjmc

Which bank? USAA wouldn't add Roxy until she had a SSN or unless we filled out those pesky forms Niblet mentioned. AFAIK, it is unlawful to open a bank account without either a SSN or an ITIN.

[Hank_ 9,174]

Interesting read:

Can you open a bank acct without a social security number?

In: Accepting Credit Cards , Retirement Planning , Social Security [Edit categories]

Answer:

Hi, Just wanted to drop you a line to let you know about a recent small victory in the no-SSN corner.
I recently tried to open a bank account with my local bank , and when they asked for a SSN, I informed them that I didn't have one. They flatly refused and said that without a SSN that they absolutely could NOT open an account of any kind. I then proceeded thus to convince them that they were in the wrong: 1) I informed them that I had terminated my SSN legally in accordance with 20 CFR 3 A7 404.1905 and 2) I informed them that the bank could not be held legally responsible by anyone for failing to obtain a SSN from me pursuant to 31 CFR 103.34(a)(1) and 3) I informed them that under the Internal Revenue Code Section 6041, that they were not even required to provide any taxpayer identification numbers on the Form 1099 that they file with the IRS at the end of the year, and 4) I informed them that pursuant to 26 CFR 301.6109-1© that they were under no legal obligation to obtain a SSN from me, and 5) I informed them that 42 USC 408 makes it a FELONY to use threat, duress, or coercion to try to force a person by fear or deceit to provide his SSN in an unlawful manner. After a brief meeting with the banks controller and legal counsel, I received a phone call stating that I would be allowed to open a checking account. Please pass this information along to your readers, in hopes that it may help someone else who may find themselves in this situation.
Craig Burkholder
Harrisonburg, VA
I'm sorry Craig I just can't agree with you. I already tried that. Seems like the known "Patriot Act", is a statute enacted by the United States Government that President George W. Bushsigned into law on October 26, 2001. Any U.S. institution to such banks will make sure they are not engaging in money laundering. Banks must identify all the nominal and beneficial owners of any private bank account opened and maintained in the U.S. by non-U.S. citizens. You have no rights to private banking anymore. In thirty days if a social security number is not associated with the account the checks and balances within the banks will return the account to the account holder and ask ththe acount holder to fill in the ss number of remove the account from the bank.

Sorry Guy, Graig is right and you are wrong the Patriot Act is not applicable in this matter because there is no mandatory requirement to present a Social Security number when opening up a bank account in Section 326 and even if Section 326 had a mandatory requirement it wouldn't be in effect due to only three provisions of the Act have been renewed and those three provisions are the "court-approved roving wiretaps", "court-approved seizure of records and property" and "lone wolf surveillance". These are the only parts of the USA PATRIOT that are still law the rest of the Act is dead and to make sure I was correct, 4 weeks ago I called Senator Chuck Schumer's office in Washington D.C. to confirm it and one of his aids confirmed it for me. As for the other three provisions I just mentioned, they have nothing to do with a person being force to present a Social Security number to the bank. Next time read the Act first before you go posting things on the website

George,

NYC

[cjmc 10]

Which bank? USAA wouldn't add Roxy until she had a SSN or unless we filled out those pesky forms Niblet mentioned. AFAIK, it is unlawful to open a bank account without either a SSN or an ITIN.

Hi Dave- Bank of America is where we were able to open an account without Dahlia's SSN ....it was a joint account so any interest income is reported to the IRS on the primaries SSN...

We did not have to fill out any special forms....seems that the interpretation of the rules and regulations varies from person to person and institution to institution....such is life, I see that everywhere !!!!

To everyone else- You can open a joint account without one party having a SSN....!!! that is a fact because we did it.... :-)

All Dahlia needed was her passport, they wanted two forms of ID but in the end that is all we had.

They said to just come back in when she does get her SSN so it can be added to the account, this way, the credit history on the credit card can be reported to the credit bureaus for her benefit also.

Cheers,

cjmc

Edited October 26, 2013 by cjmc

[Darnell 8,478]

Oh No ! Hank_ 's gear is busted and he's double posting !

50 points from HufflePuff

[Hank_ 9,174]

Dang!! Going to have to shoot the mouse.

Logitech has a S_ load of mice doing this double click thing....

[The Nature Boy 4,224]

Dave,

your spot on,,I knew the bank mgr was throwing me a line of BS,,I told him we had just come from the SS office,,(why didnt they give me a printout with her number?)

and he said "just wait until you get her number and come back",,to make things "easier"

what a crock

I tried the joint account thing with my other bank,,my credit union,,they wanted her to fill out a 8 page government form (forgot the number)

so they could tax any income derived from the account (my money) at a 30% rate! because she is a foreign person

Yes he was full of it, but may not have known it

My HR manager tried to tell me my wife had to have a SSN to sign up for Insurance. BCBS backed her up. I quoted the law and dropped a hint at discrimination.They came around quickly