Bank account

[HelloMiffy 1]

Hi All,

I need another advice on the joint bank account. We haven't created the joint bank account until recently because I hadn't been working, and my husband didn't bother of adding my name because he let me use his bank card anyway. Because of this we can't send bank statements showing that we maintained a joint bank account. We have all other evidence needed for the lifting condition. How bad is this (i.e., not having the joint bank account)? Since I'm afraid of receiving RFE and the delay because of the RFE, I'm thinking of stating the reason (why we didn't have a joint bank account initially for many months) in the cover letter. Do you think it's a good idea? Has anyone had similar circumstances?

- Miffy

[spookyturtle 9,466]

How long have you had a joint account?

[HelloMiffy 1]

How long have you had a joint account?

Less than a month.

[spookyturtle 9,466]

Less than a month.

Then perhaps it would be wise to include a reason in the cover letter and try to come up with other strong forms of evidence as co-mingling of finances is important.

[boschev 1]

What other quality evidence you got such as joint credit card statements, joint savings, joint property (car, condo, etc), insurance (life, health, rental)?

If you got other quality evidence, you don't need to worry much.

[ChristophandEvan 0]

Reading about this topic made me worried now coz i just sent one copy of our joint bank account the recent month April,but since i got here he included me on his bank account after we got married,but along with that bank statement i submitted also our joint federal tax from 2009 to 2010,and him as my beneficiary on my 401k,car insurance together,and i am a beneficiary too to his life insurance.Do i have to worry for an RFE?Just asking..Thanks so much.

[HelloMiffy 1]

What other quality evidence you got such as joint credit card statements, joint savings, joint property (car, condo, etc), insurance (life, health, rental)?

If you got other quality evidence, you don't need to worry much.

Thank you. We have other strong evidence (joint rental lease, joint tax files, joint health insurance, etc.). But it looks like people who don't have joint bank accounts are the ones who get the RFEs the most often. So it looks like I may have to add the explanation for that to avoid the RFE...

[Darnell 8,479]

ROC 'evidence' focuses on the co-mingling of assets.

IMO, a joint account is the biggest and bestest thing, that ANY COUPLE can do, with minimal hassle.

[boschev 1]

Thank you. We have other strong evidence (joint rental lease, joint tax files, joint health insurance, etc.). But it looks like people who don't have joint bank accounts are the ones who get the RFEs the most often. So it looks like I may have to add the explanation for that to avoid the RFE...

Sure, you can add an explanation for not having a joint checking account. But you can show other evidence in that category: joint credit card statements; joint property; etc.

[Brother Hesekiel 2,236]

Go to your bank's manager. Have him or her write you a letter.

To Whom it May Concern:

This is to confirm that Mr. and Mrs.Miffymoto have the following, joint checking account:

Account No. 123456789. Balance as of today: $1,234.56.

In addition, Mrs. Miffymoto has full and unrestricted access to her husband's

Account No. 234567890. Balance as of today: $2,345.67

Sincerely,

Hot Potato

VP People's Bank, Branch # 123

Edited May 7, 2011 by Just Bob