Added to US husbands bank account is it possible?

[bobjennyhitched 99]

As there seems to be a request for joint finances and I'm moving to the US, I wondered if its possible to be added to my husbands bank account, what will the HMRC do? 

 

If I add my husband to any of my finances in the UK, then the IRS will chase him for my money. 

 

Any advice or alternative evidence? How are we supposed to proof if the banks won't let us have joint finances etc....

[gregcrs2 1,778]

7 minutes ago, jennywhite421 said:

• As there seems to be a request for joint finances and I'm moving to the US, I wondered if its possible to be added to my husbands bank account, what will the HMRC do? 

 

If I add my husband to any of my finances in the UK, then the IRS will chase him for my money. 

 

Any advice or alternative evidence? How are we supposed to proof if the banks won't let us have joint finances etc....

Since you recently married, stop sweating joint finances.  We married overseas and literally a few days later submitted the I-130 package.  We had zero joint finances until after our CR-1 was approved and my spouse entered the USA.  My advice is to stop worrying about it as you cannot provide what you don't have.  They realize you will not likely have joint finances if recently married.

[StuBear65 68]

I have a joint account with my USC wife, we just use it for visa processing fees, we've not had any problems tax wise as we both have separate accounts to use for our day to day stuff.

 

as @gregcrs2 says it's not an issue if you don't have joint finances.

[JFH 12,190]

Unless you've just married Bill Gates I wouldn't worry about the tax implications of a small joint savings account or something. You can have a substantial amount overseas before you are liable for tax in the USA. Although USCs are required to report overseas income and assets to the IRS, they only have to pay tax once it reaches a certain amount and there are bilateral tax agreements between the U.K. and the USA anyway and tax is only paid to the IRS once the amount reaches somewhere in the 6-figure sums $100,800, I believe). 

 

Remember that the I-130 is a multi-purpose form and some of the examples on it won't be relevant to your situation. Some people who are completing that form have been married for 30 years and have been living together overseas for that whole time. If a couple who have been married and living together for 30 years don't have shared finances USCIS might be suspicious. But for a couple of newly-weds in different countries, not an issue. 

[Wuozopo 4,293]

24 minutes ago, JFH said:

Although USCs are required to report overseas income and assets to the IRS, they only have to pay tax once it reaches a certain amount and there are bilateral tax agreements between the U.K. and the USA anyway and tax is only paid to the IRS once the amount reaches somewhere in the 6-figure sums $100,800, I believe). 

That applies to foreign "earned income" like employment overseas. His "unearned income" like any interest earned on the account is reported and would be part of his taxable income. But that would be chump change and not significantly impact taxes unless the account was akin to Bill Gates' level of inve$tment$.

 

 

40 minutes ago, JFH said:

If a couple who have been married and living together for 30 years don't have shared finances USCIS might be suspicious. But for a couple of newly-weds in different countries, not an issue. 

Yes. What she said.

[NikLR 13,227]

You could be added ro his account, that would seem more appropriate than him to yours considering the direction you are immigrating.

 

He can ask his ban for a w8-ben to add his foreign wife.  If they dont understand, dont bother.  Many non-military banks cant figure this out.  

[bobjennyhitched 99]

1 hour ago, NikLR said:

You could be added ro his account, that would seem more appropriate than him to yours considering the direction you are immigrating.

 

He can ask his ban for a w8-ben to add his foreign wife.  If they dont understand, dont bother.  Many non-military banks cant figure this out.  

I'm moving to Colorado by the way I see you are there! Thank you I'll ask him when he goes next. Are there any other banks where we can just use it for savings? Any recommendations?

[NikLR 13,227]

We use military banks because my husband is a veteran so I can't recommend anything beyond that.  I'm sorry. 

[ms_bobdog 501]

9 hours ago, jennywhite421 said:

I'm moving to Colorado by the way I see you are there! Thank you I'll ask him when he goes next. Are there any other banks where we can just use it for savings? Any recommendations?

I was added to my husband's checking account when I visited him on VWP. There were no issues at all. Wells Fargo bank, if it helps

[bakphx1 789]

I worried about that too.  But they are realistic, if you are not yet living in the same country, adding each other to bank accounts wouldn't make sense before you live together.  Depending on timing, you may file a joint tax return, or he may add you to his insurance plan.  But adding him to you UK accounts before you leave wouldn't be logical. I tried to add my husband here, but the bank would only do it in person. 

 

It was never brought up.  Work with what you have as far as evidence and you'll be fine.