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Can we open a joint US savings account while we wait for approval?

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I have researched this site and found information regarding single accounts and then joint accounts if married, my question is while my Canadian fiance' and I wait throughout the Visa process (just had our NOA1) we wanted to open up a joint savings account to both put allotted money into for upcoming costs, wedding, honeymoon, etc. I have done numerous searches and have found mixed information. I guess I just want to know if anyone has successfully done this? It appears to be a bank discretionary issue, and there also seems to be potential hiccups regarding being 'in-person' when signing the signature card. In saying that, I've seen the acceptance of signature cards that have been faxed.



Anyone have success with this and if so, what bank did you use that allowed it?



Thank you very much.


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RBC, Royal Bank of Canada, should let you do it--their US branches are based out of Georgia.


Met in 2010 on a forum for a mutual interest. Became friends.
2011: Realized we needed to evaluate our status as friends when we realized we were talking about raising children together.

2011/2012: Decided we were a couple sometime in, but no possibility of being together due to being same sex couple.

June 26, 2013: DOMA overturned. American married couples ALL have the same federal rights at last! We can be a family!

June-September, 2013: Discussion about being together begins.

November 13, 2013: Meet in person to see if this could work. It's perfect. We plan to elope to Boston, MA.

March 13, 2014 Married!

May 9, 2014: Petition mailed to USCIS

May 12, 2014: NOA1.
October 27, 2014: NOA2. (5 months, 2 weeks, 1 day after NOA1)
October 31, 2014: USCIS ships file to NVC (five days after NOA2) Happy Halloween for us!

November 18, 2014: NVC receives our case (22 days after NOA2)

December 17, 2014: NVC generates case number (50 days after NOA2)

December 19, 2014: Receive AOS bill, DS-261. Submit DS-261 (52 days after NOA2)

December 20, 2014: Pay AOS Fee

January 7, 2015: Receive, pay IV Fee

January 10, 2015: Complete DS-260

January 11, 2015: Send AOS package and Civil Documents
March 23, 2015: Case Complete at NVC. (70 days from when they received docs to CC)

May 6, 2015: Interview at Montréal APPROVED!

May 11, 2015: Visa in hand! One year less one day from NOA1.

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You can try BofA or Wells Fargo ... one thing to be careful about is if they ask if your husband is a U.S. citizen ... make sure he says "no". When I set my set my husband up on my account (online) I left that blank and wrote that he was a in the citizenship process. We had to go in and show documentation NOA1s etc.

This may not be helpful or answer your question. I just wanted to share our experience.

Good luck on your journey :)


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RBC, Royal Bank of Canada, should let you do it--their US branches are based out of Georgia.

Thank you for your answer! We will be living in Michigan but we could always open one and then after he is here and married, we can change it to my bank. We just want to start saving. Thanks again!

You can try BofA or Wells Fargo ... one thing to be careful about is if they ask if your husband is a U.S. citizen ... make sure he says "no". When I set my set my husband up on my account (online) I left that blank and wrote that he was a in the citizenship process. We had to go in and show documentation NOA1s etc.

This may not be helpful or answer your question. I just wanted to share our experience.

Good luck on your journey :)

Thank you for your reply and well-wishes. We aren't married yet but any information is useful information as far as we are concerned. Thank you!

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While in Canada, we opened a US account with a (local/regional) bank right across the border. Their branch was very much used to having Canadians open accounts, so they were able to use SIN and my now husband's Canadian IDs, instead of the usual SSN and US IDs. We signed our signature cards in person (we lived somewhat near the border, so that was no biggie for us). Maybe something like that could work for you guys too?

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4/4/15- AOS/EAD/AP sent

4/6/15- Package received

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4/14/15- NOA1 hard copy AOS (NOA1 dated 4/7)

4/17/15- Biometrics Letter received

4/29/15- Biometrics completed

6/23/15 (Day 77)- Service request

7/2/15 (Day 86)- Service request complete, email of approval of EAD (approved on June 30)

12/29/15- Interview

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We opened a joint savings account while I was still his fiance. But we both went into his bank together (in Texas) on one of my visits down there prior to the move. Because I did not yet have a SSN, they simply used all 8's in that place. Once I moved down, got married and received my SSN, I just went in and updated it with the bank.


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Service Center : Vermont Service Center
Consulate : Montreal, Canada
2012-01-25 : I-129F Sent
2012-01-27 : VSC Received
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2012-02-01 : Touch
2012-07-05 : RFE Email (after 161 days)
2012-07-11 : RFE Received in Mail
2012-07-12 : RFE Reply Sent via USPS Overnight
2012-07-13 : RFE Reply Received at VSC at 12:16 PM
2012-07-18 : Case status updated to: "Request for Evidence Response Review"
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2015-11-23: Approved
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I don't know that there is any real advantage to trying to get this done ahead of him moving. I know many of us want to get our new lives started but banks have been pretty finicky about what's required to add a non US person to an account or start a joint account with one. And of course every bank seems to have different rules.


Wiz(USC) and Udella(Cdn & USC!)

Naturalization

02/22/11 - Filed

02/28/11 - NOA

03/28/11 - FP

06/17/11 - status change - scheduled for interview

06/20?/11 - received physical interview letter

07/13/11 - Interview in Fairfax,VA - easiest 10 minutes of my life

07/19/11 - Oath ceremony in Fairfax, VA

******************

Removal of Conditions

12/1/09 - received at VSC

12/2/09 - NOA's for self and daughter

01/12/10 - Biometrics completed

03/15/10 - 10 Green Card Received - self and daughter

******************

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While in Canada, we opened a US account with a (local/regional) bank right across the border. Their branch was very much used to having Canadians open accounts, so they were able to use SIN and my now husband's Canadian IDs, instead of the usual SSN and US IDs. We signed our signature cards in person (we lived somewhat near the border, so that was no biggie for us). Maybe something like that could work for you guys too?

That might be an option for us. I go in July but then we are driving to Maine to see my dad so we have options. Thank you for your reply!

While in Canada, we opened a US account with a (local/regional) bank right across the border. Their branch was very much used to having Canadians open accounts, so they were able to use SIN and my now husband's Canadian IDs, instead of the usual SSN and US IDs. We signed our signature cards in person (we lived somewhat near the border, so that was no biggie for us). Maybe something like that could work for you guys too?

That might be an option for us. I go in July but then we are driving to Maine to see my dad so we have options. Thank you for your reply!

We opened a joint savings account while I was still his fiance. But we both went into his bank together (in Texas) on one of my visits down there prior to the move. Because I did not yet have a SSN, they simply used all 8's in that place. Once I moved down, got married and received my SSN, I just went in and updated it with the bank.

Thank you! That's excellent to know!

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I don't know that there is any real advantage to trying to get this done ahead of him moving. I know many of us want to get our new lives started but banks have been pretty finicky about what's required to add a non US person to an account or start a joint account with one. And of course every bank seems to have different rules.

I appreciate your reply. It's not about getting our 'lives' started really (we are handling things very methodically and making sure we are in the best position possible when he comes), but it has more to do with setting aside a portion of our incomes that we cannot access so anything unpredictable will not hinder the paperwork process. It looks like we have some options based on other replies. Thank you though. :)

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Google W8-BEN (IRS form), make a copy of your passport, sign the forms - both of you and send it in. No need for SSN. You can update this after you get SSN.


Removal of Conditions Journey

3/3/2009 - Removal of conditions - sent off packet to CSC

3/5/2009 - I-751 received in CSC

3/9/2009 - Check cashed

3/20/2009 - Biometrics notice received (no NOA1)

4/2/2009 - Biometrics

4/9/2009 - NOA1 date (first undelivered one is 3/5)

4/3/2009 - Touch?

5/6/2009 - ROC Approval - 65 days

6/22/2009 - CRIS Card production ordered email

7/7/2009 - GC arrived!

Naturalization Journey

3/03/2010 N400 sent to Arizona Lockbox

3/15/2010 Check cashed

3/17/2010 NOA1

3/18/2010 - Biometrics notice sent

3/26/2010 Early biometrics done at an ASC different from the one assigned to (Original BIO date was 4/15)

4/30/2010 Yellow letter received and info from USCIS mil line they are working on my interview letter (6/17 appt)

5/1/2010 Text and email interview letter sen

5/6/2010 Interview letter received - scheduled for 6/17/2010 at 10:05am

6/17/2010 Interview appointment - PASSED

6/29/2010 US Citizen

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I had an account with RBC and opened an American RBC account before we were married and added my husband to it (before we were married) so that we could start building evidence and mixing finances. It was very fast and easy. The bank account is not good for much once you're in the U.S. because it isn't a full bank with branches you can go to easily but it served its purpose for a while. Once I moved I stopped using it and opened an account at a full U.S. bank using my green card info and SSN once they arrived.


USCIS - 40 DAYS
2012-10-30: FedEx delivered I-130 to Chicago Lockbox Mail Room
2012-11-01: NOA1 by email - MSC
2012-11-02: $420 (x3) debited from our account
2012-11-05: NOA1 hard copies received, Priority Date 2012-10-30
2012-12-11: NOA2


NVC - 26 DAYS
2013-01-02: Rec'd case#, IIN, BIN & OPTIN emails for EP sent
2013-01-03: Submitted DS-261 (x3)
2013-01-07: AOS bills invoiced and paid & OPTIN for EP accepted for each of us
2013-01-08: AOS bills appear as paid & AOS packages sent by email
2013-01-08: IV bill invoiced & paid (kids' only)
2013-01-09: IV bill appears as paid (kids' only)
2013-01-09: IV Package emailed & DS-260 submitted online (kids only)
2013-01-11: AOS received -notified by email
2013-01-11: IV bill invoiced & paid (for me)
2013-01-14: IV bill appears as paid (for me)
2013-01-14: IV Supporting Docs received for kids - notified by email
2013-01-14: IV Package emailed & DS-260 submitted online (me only)
2013-01-18: IV Supporting Docs received for me - notified by email
2013-01-18: Son#1 CASE COMPLETE - Son#2 checklist - saying $ on I-864 don't match tax return (but they do)-resubmitted
2013-01-23: AOS 2nd submission for Son #2 received - notified by email
2013-01-25: My CASE COMPLETE
2013-01-28: ALL 3 OF OUR CASES ARE NOW COMPLETE
2013-02-06: Packet 4 Received by email

MEDICAL ~ CONSULATE ~ POE REMOVAL OF CONDITIONS - 160 DAYS NATURALIZATION
2013-02-13: Medicals 2014-12-17: Delivered to California Lockbox 2015-12-15: Delivered to Phoenix Lockbox
2013-03-06: Interview 2014-12-19: 1 I-751 + 3 Biometrics Fees debited from our account 2015-12-16: Fees charged to Credit Card
2013-03-08: Visas in-hand 2014-12-22: Received NOA1 by mail. Receipt Date: 2014-12-17 2015-12-17: NOA
2013-03-12: Paid USCIS Immigrant Fee 2014-12-24: Received Biometrics Appointment Letter 2016-01-02: Biometrics Letter 2016-01-11: Biometrics
2013-03-14: POE 2015-01-06: Biometrics 2016-02-15: In Line for Interview 2016-02-19: Letter
2013-03-25: SSNs arrived 2015-05-27: Approved 2016-03-22: Interview
2013-04-01: Green Cards arrived 2015-06-03: New Green Cards arrived 2016-04-15: Oath Ceremony

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That's the truth. RBC reps don't seem to know that the affiliate (PBC?) - with which you can make no-fee ATM withdrawals and deposits - don't have any locations on the west side of the country.

So it's pretty much useless to me except for the brief period I'll be collecting EI and transferrring funds from Canadian to U.S. accounts.

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My wife uses usaa which has no or almost no in person branches and it works well. Rbc might be good the same way, once you adjusted?


Met in 2010 on a forum for a mutual interest. Became friends.
2011: Realized we needed to evaluate our status as friends when we realized we were talking about raising children together.

2011/2012: Decided we were a couple sometime in, but no possibility of being together due to being same sex couple.

June 26, 2013: DOMA overturned. American married couples ALL have the same federal rights at last! We can be a family!

June-September, 2013: Discussion about being together begins.

November 13, 2013: Meet in person to see if this could work. It's perfect. We plan to elope to Boston, MA.

March 13, 2014 Married!

May 9, 2014: Petition mailed to USCIS

May 12, 2014: NOA1.
October 27, 2014: NOA2. (5 months, 2 weeks, 1 day after NOA1)
October 31, 2014: USCIS ships file to NVC (five days after NOA2) Happy Halloween for us!

November 18, 2014: NVC receives our case (22 days after NOA2)

December 17, 2014: NVC generates case number (50 days after NOA2)

December 19, 2014: Receive AOS bill, DS-261. Submit DS-261 (52 days after NOA2)

December 20, 2014: Pay AOS Fee

January 7, 2015: Receive, pay IV Fee

January 10, 2015: Complete DS-260

January 11, 2015: Send AOS package and Civil Documents
March 23, 2015: Case Complete at NVC. (70 days from when they received docs to CC)

May 6, 2015: Interview at Montréal APPROVED!

May 11, 2015: Visa in hand! One year less one day from NOA1.

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