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Avfcfan89

Question about Bank Statements

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I have been putting the package together for the ROC, and I kept coming across where people have joint bank accounts from the second they were married. So my spouse and I got married in January and we officially setup the joint bank account in December of 2016. I have statements reflecting that as well. I always thought you had to have a SSN to join a bank account based on the small reading I did so I waited until she got the SSN to sign her up. Also, Discover card refused to add her as an authorized user without a SSN which made me convinced I could not add her. Will this be a problem when submitting the package that it took a few months to get it opened? I have her as beneficiary on my retirement account and we have health insurance together. I did not know if they were too nit-picky on dates with the joint bank account. Thank you for your help.

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I don't think that could be a problem. We got married in October 2015 and set up a joint account in January 2016, then my husband added me to his bank account in June 2016. And we also added each other as authorized users on credit card in 2017 and 2018. I believe that this shows financial commingling. Not like you go and open 10 different accounts in one day.

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We had established two joint bank accounts.  We submitted one monthly statement (the single summary page) from each bank account.  We did not submit multiple months or the transaction pages -- only because the thought of doing so never occurred to us at the time of submission. We did not receive a RFE.  So, in our case, there wasn't a need to demonstrate a joint bank account over so many months of the marriage.  But, our bank statements were just one very small part of our evidence package.

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