Banks that allow overseas spouse

[JC&BS 75]

Hello,

 

My bank won't allow me to add a non US resident to my account. Yet, I hear of other VJers that can... how is this? Which banks allow this? 

 

Please and thank you

[Kat&Damian 39]

This is something so useful thank you for asking this question! Please if anyone knows I would really appreciate it!

[Andsco 89]

11 minutes ago, JC&BS said:

Hello,

 

My bank won't allow me to add a non US resident to my account. Yet, I hear of other VJers that can... how is this? Which banks allow this? 

 

Please and thank you

I am living in Washington state and when I came into the US under a K1 visa, my now husband wanted to add me into his bank acc. They said I couldnt except if I was a US citizen, I had a GC or I had a Washington State ID. Pretty much since I am not  USC or had a GC, what we did is go to get myself an ID. I am not sure if this changes from one state to another but once I had my paper that said that I had my ID issued, they accepted me to get into his account. 

[arken 4,197]

What I did was added my wife as a beneficiary to my account as they wouldn’t allow jointaccount unless she was physically present in the US. Her name showed up in mothly statements. That was BOA. 

[dandk 72]

Here in LA area, we used East West Bank to open joint checking and saving accounts. At the time East West Bank only required a valid passport for ID.

Edited April 20, 2018 by dandk

[Crazy Cat 41,837]

1 hour ago, JC&BS said:

Hello,

 

My bank won't allow me to add a non US resident to my account. Yet, I hear of other VJers that can... how is this? Which banks allow this? 

 

Please and thank you

Is this non-resident currently in the US?

[msscarlette 488]

My husband's bank required me (the beneficiary) to provide my foreign passport and a SSN so we can file a joint account. 

[Ryan H 3,812]

Moved from IR-1/CR-1 Process & Procedures to Tax & Finances During US Immigration forum.

[JC&BS 75]

8 hours ago, missileman said:

Is this non-resident currently in the US?

No.

[Crazy Cat 41,837]

6 hours ago, JC&BS said:

No.

Then it will probably be very difficult, if at all possible, to add him/her. Banks usually have strict identification procedures.  You might want to inquire at other banks before you give up. 

[Angelthebear 3]

16 hours ago, JC&BS said:

Hello,

 

My bank won't allow me to add a non US resident to my account. Yet, I hear of other VJers that can... how is this? Which banks allow this? 

 

Please and thank you

If the non-resident not currently in US, most bank will required proof of residential address in US. What you can do is ask the non-resident to change his/her local bank statement address to US . Once you have the bank statement in US address , you can use that as a proof of US residential address together with his/her passport to open account , the bank statement need to be within 60 days upon account opening . I know in Arizona , TCF bank and Chase bank will open account for non-resident with passport and proof of residential address in US.

[JFH 12,190]

Bank of America added me and even gave me a credit card (only a $300 limit but I needed to start building credit here) with just my I-551 stamp and before my SSN arrived. Without the SSN and state ID they added me as a non-resident alien but once I had my SSN and driver's license they switched it to resident alien. 

[Jeanne Adil 1,651]

If out of the country this is the way I did it

married 2010

when filling out 2010 tax return added him and applied for ITIN

then i was allowed to add him to my checking / he was not allowed a debit card until in the US

BTW foreigners working or owning a business in the US without a SS number are allowed to have their own ITIN for banking called EIN

 

i looked the info on google and printed out the pages that allowed me to add him to banking account with the ITIN and took it to the bank 

Edited April 21, 2018 by adil-rafa

[milimelo 4,477]

W8BEN or whatever the form is called plus my mother’s foreign passport is all I needed to put her on a bank account (with USAA). She has yet to step foot in the USA. 

[Stelare 35]

18 hours ago, Andsco said:

I am living in Washington state and when I came into the US under a K1 visa, my now husband wanted to add me into his bank acc. They said I couldnt except if I was a US citizen, I had a GC or I had a Washington State ID. Pretty much since I am not  USC or had a GC, what we did is go to get myself an ID. I am not sure if this changes from one state to another but once I had my paper that said that I had my ID issued, they accepted me to get into his account. 

Funnily enough, I'm going through a *kinda* similar situation. I'm in Indiana and went down to Chase twice in a row with my state ID because I don't have my GC (8 months waiting for a replacement because they messed up my name on it) and am not a USC. They wouldn't take it, despite multiple people over Chase' CS phone line telling me it was fine. I wonder if it varies state by state, or by bank? I was told it was a government thing and it didn't matter what I did, I HAD to have my GC.
 

1 hour ago, JFH said:

Bank of America added me and even gave me a credit card (only a $300 limit but I needed to start building credit here) with just my I-551 stamp and before my SSN arrived. Without the SSN and state ID they added me as a non-resident alien but once I had my SSN and driver's license they switched it to resident alien. 

I'm not OP, but I've been told multiple times now that BoA is the most immigrant friendly, I just tried lodging an app online. Hoping for the best! I have my SSN, EAD and State ID. No GC as explained above even though I technically have PR  

Edited April 21, 2018 by Stelare