ROC: Question regarding bank statements

[jelliesbejammin 10]

Hi everyone! My husband and I did not have a joint bank account until 4-5 months after we got married (from the time the account became joint we do use it for all our bills, use regularly like any 'normal' couple would). Will this be a problem when providing bank statements for ROC, since USCIS wants to see statements for entire period of marriage? Or is it sufficient to provide statements since account became joint, even if it's a few months after marriage date? Would like to get your opinion as I want to make sure we submit good evidence. 

 

Thank you!

[Duke & Marie 1,389]

You can only provide what you have.. 

 

not sure where you got the idea idea that they want to see joint accounts for the entire marriage... I’ve been married for over two years and we still don’t have a joint account.. there’s no law that says you must have.

[Dashinka 24,586]

4 minutes ago, Duke & Marie said:

You can only provide what you have.. 

 

not sure where you got the idea idea that they want to see joint accounts for the entire marriage... I’ve been married for over two years and we still don’t have a joint account.. there’s no law that says you must have.

I completely agree.  We also do not have a joint account, but rather we are listed on each other’s account.

[jelliesbejammin 10]

10 minutes ago, Dashinka said:

I completely agree.  We also do not have a joint account, but rather we are listed on each other’s account.

I didn’t know there was a difference between a joint account and being listed on banks accounts?

[Dashinka 24,586]

Just now, jelliesbejammin said:

I didn’t know there was a difference between a joint account and being listed on banks accounts?

It is a slight difference, but it is two separate accounts, so not technically a joint account.

[Sukie 1,464]

A joint account is one where each person listed has complete authority to add, subtract or close the account.  An account with a secondary signer is one where the secondary signer can add or subtract from the account, but cannot close the account.  In addition, the owner is the one responsible for overdrafts - not the second signer.

 

OP - include the statements you have, and just add a note to your cover letter that you got the joint account as of xx/xx/xxxx, and that before that, you each contributed <if this is true - describe how you paid for things>.  That will make sure you don't get an RFE.

 

Sukie in NY

[jelliesbejammin 10]

3 hours ago, Sukie said:

A joint account is one where each person listed has complete authority to add, subtract or close the account.  An account with a secondary signer is one where the secondary signer can add or subtract from the account, but cannot close the account.  In addition, the owner is the one responsible for overdrafts - not the second signer.

 

OP - include the statements you have, and just add a note to your cover letter that you got the joint account as of xx/xx/xxxx, and that before that, you each contributed <if this is true - describe how you paid for things>.  That will make sure you don't get an RFE.

 

Sukie in NY

Thank you, I will definitely do that!