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no joint bank account, received RFE, need help

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Looking for some advice. Sent in I-751 for ROC, and received an RFE. The initial information I sent in was:

  • Copies of the passport and green card
  • Three sworn affidavits by U.S. citizen friends, attesting to our relationship and marriage.
  • A partial copy of our 2013 and 2012 joint US tax return.
  • Screenshot from my company of the designation of my life insurance to spouse (beneficiary)
  • Copies of car insurance policy listing both our names
  • Copy of our Costco Club cards on a joint account.
  • Photo evidence of relationship
  • Copy of Easter card addressed to both my wife and I

We do not have a joint bank account or a joint credit card account. We plan to send in the following since they are saying not enough was done to show co-mingling of liabilities.

​will show that spouse pays for multiple utilities even though they are listed in my name (cable bill, air conditioner that we had to purchase for our home when it broke last year, electric bill)

we will send in actual tax return transcripts, as they said the copies we sent did not prove they were actually filed.

Copy of homeowners insurance documents.

gym membership in her name, but showing my payment of it

will show payment from my bank paying her medical hospital copay (they suggested showing mutual payment of healthcare expenses)

more notarized affadavits

Anything else anyone can think of to show commingling of liabilities in absence of a joint bank account? Is it too late to start one and show that proof now to send in with the RFE second round of paperwork?


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Lease or mortgage? Health insurance cards/premiums?

K1 Visa Process AOS Process

Mar 18 2013: I-129F mailed to CSC Nov 15 2013: I-485 with EAD/AP filed at Chicago Lockbox

Sept 19 2013: Interview - Approved!! Jan 25 2014: EAD/AP Card Received

Oct 6 2013: POE - Chicago O'Hare June 2 2014: Permanent Resident Card Received!

Oct 27 2013: Wedding!

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sorry i pasted the wrong info:

what i sent in was:

Mortgage from our current home with both our names

Lease agreement from previous residence with both our names

Auto insurance card with both our names

Life insurance listing my wife as beneficiary

tax returns

2 affidavits from US citizens

16 photos

boarding passes from a recent trip we took together.

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Even if you sent them before, I would include:

1. Joint mortgage

2. Joint lease

3. Copies of car insurance

4. Copies of life insurance policy

5. Tax transcripts for the past 2 years - you can order these free from the IRS (irs.gov). DO NOT send tax returns - those are just forms that you fill out yourself and there is no way of verifying the information.

6. Affidavits - make sure these are signed/stamped by a notary. Otherwise, they are just signed letters.

7. Boarding passes and itineraries

8. Copies of homeowners insurance

9. Copies of utilities

10. Copies of bank statements - I know they are not joint but you could highlight purchases for joint items (like the gym membership you spoke about)

11. Will/trust/power of attorney - get one now, they are one of the best pieces of evidence

12. Car loan statements

Good luck! :)




03/24/11 - Got married in the Boogie-Down Bronx, NYC!
04/21/11 - Mailed I-130,I-765, I-485, I-864 and I-693 - Day 00

04/23/11 - Application delivered - Day 02
04/28/11 - NOA (most forms) - Day 07
05/03/11 - Checks cashed - Day 12
05/31/11 - Biometrics completed in the Bronx, NYC - Day 40
06/24/11 - Received someone else's employment authorization card!!! What the...? - Day 64
07/01/11 - Mailed the poor lady's card back after calling USCIS - Day 71
07/07/11 - Received poor lady's interview notice! What??? - Day 77
07/15/11 - Received my own EAD card - Day 85
08/12/11 - Interview. Approved on the spot! - Day 113
08/18/11 - Received card in the mail - Day 119

05/28/13 - Mailed I-751 - Day 00

05/30/13 - Application delivered - Day 02

05/31/13 - NOA I-797 - Day 03
06/04/13 - Check cashed - Day 07

06/06/13 - NOA delivered to my home/Biometrics letter generated - Day 09

06/10/13 - Received Biometrics letter in the mail - Day 13

06/27/13 - Biometrics completed in Milwaukee, WI - Day 30

09/10/13 - Application approved! - Day 105

09/14/13 - 10 year Green Card received! - Day 109


05/10/16 - Mailed N-400 - Day 00

05/12/16 - Application delivered - Day 02

05/13/16 - Credit card payment accepted - Day 03

05/17/16 - Received text & email update - Day 07

05/20/16 - Received 1st NOA (dated 05/13/16) & created ELIS acct - Day 10

05/21/16 - Received 2nd NOA (dated 05/16/16) confirming my DOB and address - Day 11

05/22/06 - Biometrics scheduled (online update) and appt letter was mailed on 05/20/16 - Day 12

05/24/06 - Biometrics letter became viewable online (appt scheduled for 06/07/16) - Day 14

05/27/16 - Received Biometrics letter in mail - Day 17

05/31/16 - Was denied walk-in fingerprints with just 1 person left in line. Milwaukee office, boo! - Day 21

06/07/16 - Biometrics completed in Milwaukee, WI - Day 28

12/21/16 - Passed Citizenship test/Interview was successful! - Day 197

01/26/17 - I am a US citizen!!! - Day 233

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