open bank account online from overseas

[SusieQQQ 11,586]

19 hours ago, NikLR said:

Ask the bank about a w8-ben. You open the account and they can be added on as a non-resident alien.  After arrival then you use a w9 with ssn to change it over to a resident.  Your spouse will need a passport for this process and it can serve as their ID. 

~~moved to taxes and finances from IR1/CR1 process and procedures.  Topic is not about IR1/CR1 process~~

Spouse is a USC, not a non-resident alien.

[FEODORA 12]

open the account with the passport. 

[Mayi & MiMi 172]

1 hour ago, Allthephils said:

Have you tried Capital One 360 online banking? I opened up an account with them online and it was easy! I believe I just used my SSN. It's been a while, so I don't remember exactly all the docs needed. Worth a try!

I have a Capital one 360 and I don’t think I needed ID but for sure a ssn 

[SusieQQQ 11,586]

looked up capital one

apart from SSN you have to check this "I agree to let Capital One collect and use my personal data to confirm my identity"

and that leads you to this (the underlined bit I added in to emphasize there could be more they go into!!)

 

 

Capital One takes security seriously and fights hard to prevent identity theft, which protects both of us. To confirm your identity, we need information from a number of sources. This sometimes means sharing your information (e.g. name, address) with limited third parties solely for fraud prevention services. We take serious precautions to make sure it is as safe with them as it is with us. Rest assured, during the application we will ONLY use your personal data to fight fraud and meet government requirements, not for other purposes like marketing. Data sources may include, but aren't limited to: 

• Public records: We use public records to confirm you are who you say you are. We want to make sure your name, address, and other info match a real person. Basically, we're just ensuring that the info you provide is the same as that in census files, tax records, and court filings.

• Government databases: The government mandates that we run specific checks. For example, we can't open accounts for known money launderers, terrorists, or citizens of specific countries. We use these government databases to make sure your info doesn't match up with someone from one of those groups. Interested in government regulations? Check out the Department of Treasury's Specially Designated Nationals (SDN) list for more details.

• Phone providers (may include geo-location, billing data, and/or device info): When you apply, we may do a one-time check with your phone provider (cell and/or landline) to get billing info, geo-location, and/or device data. This helps us make sure your home address matches your phone's billing address. Your phone's physical location can also alert us to higher risk situations. For example, if you're applying for an account while in a foreign country, we want to make sure no one is impersonating you. Don't worry - we still open accounts for people who are on vacation, moving, etc. This is just one more clue to help us solve the puzzle of if it's you or someone impersonating you. Also, geo-location, billing data, and device info will only be used for fraud prevention; it won't be used for marketing, mailing lists, or anything else. Your data collected by us will be stored for the life of your account plus five years.

• IP providers: Similarly to your phone info, we may do a one-time check with your IP provider to identify where you're applying from. An IP provider is the company that supplies your internet access. Don't worry if you are applying while at work across town - we are looking for something more drastic. An example of a risky situation would be if you are applying from another country. Think of us as a detective trying to prevent a crime from happening.

• Personal document scan: If we are struggling to confirm your identity, or your data doesn't match our records, we might ask you for a copy of supporting documents. For example, if you have just moved the public records might not be updated yet. We could ask you for a copy of your driver's license or utility bill that has your new address.

Also, we want to let you know that we safeguard all of your data in a careful and secure way. For example, we don't allow 3rd parties to store your information. For more details on our privacy policy, please click here.

 

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so as long as you know what you're allowing them to access in lieu of showing ID i guess that's ok...might work for OP if it's their only option and they really want a US account

 

 

Edited May 25, 2018 by SusieQQQ

[NikLR 13,227]

12 hours ago, SusieQQQ said:

Spouse is a USC, not a non-resident alien.

I must have misunderstood that the foreign spouse was trying to be included into a USC spouse's bank account?

 

The foreign spouse would complete the w8-ben to be added on before immigrating. 

Edited May 26, 2018 by NikLR

[SusieQQQ 11,586]

On 5/25/2018 at 8:23 PM, NikLR said:

I must have misunderstood that the foreign spouse was trying to be included into a USC spouse's bank account?

 

. 

OP said “My USC wife lives with me abroad, as a part of showing intention to reestablish domicile she needs to open a bank account online.”

So it’s usc trying to open account from abroad without being present to show identification.

[Hamada91 9]

On ‎5‎/‎26‎/‎2018 at 6:23 AM, NikLR said:

I must have misunderstood that the foreign spouse was trying to be included into a USC spouse's bank account?

 

The foreign spouse would complete the w8-ben to be added on before immigrating. 

how can she do this w8-ben ? which bank ?

 

On ‎5‎/‎25‎/‎2018 at 8:25 PM, SusieQQQ said:

looked up capital one

apart from SSN you have to check this "I agree to let Capital One collect and use my personal data to confirm my identity"

and that leads you to this (the underlined bit I added in to emphasize there could be more they go into!!)

 

 

Capital One takes security seriously and fights hard to prevent identity theft, which protects both of us. To confirm your identity, we need information from a number of sources. This sometimes means sharing your information (e.g. name, address) with limited third parties solely for fraud prevention services. We take serious precautions to make sure it is as safe with them as it is with us. Rest assured, during the application we will ONLY use your personal data to fight fraud and meet government requirements, not for other purposes like marketing. Data sources may include, but aren't limited to: 

• Public records: We use public records to confirm you are who you say you are. We want to make sure your name, address, and other info match a real person. Basically, we're just ensuring that the info you provide is the same as that in census files, tax records, and court filings.

• Government databases: The government mandates that we run specific checks. For example, we can't open accounts for known money launderers, terrorists, or citizens of specific countries. We use these government databases to make sure your info doesn't match up with someone from one of those groups. Interested in government regulations? Check out the Department of Treasury's Specially Designated Nationals (SDN) list for more details.

• Phone providers (may include geo-location, billing data, and/or device info): When you apply, we may do a one-time check with your phone provider (cell and/or landline) to get billing info, geo-location, and/or device data. This helps us make sure your home address matches your phone's billing address. Your phone's physical location can also alert us to higher risk situations. For example, if you're applying for an account while in a foreign country, we want to make sure no one is impersonating you. Don't worry - we still open accounts for people who are on vacation, moving, etc. This is just one more clue to help us solve the puzzle of if it's you or someone impersonating you. Also, geo-location, billing data, and device info will only be used for fraud prevention; it won't be used for marketing, mailing lists, or anything else. Your data collected by us will be stored for the life of your account plus five years.

• IP providers: Similarly to your phone info, we may do a one-time check with your IP provider to identify where you're applying from. An IP provider is the company that supplies your internet access. Don't worry if you are applying while at work across town - we are looking for something more drastic. An example of a risky situation would be if you are applying from another country. Think of us as a detective trying to prevent a crime from happening.

• Personal document scan: If we are struggling to confirm your identity, or your data doesn't match our records, we might ask you for a copy of supporting documents. For example, if you have just moved the public records might not be updated yet. We could ask you for a copy of your driver's license or utility bill that has your new address.

Also, we want to let you know that we safeguard all of your data in a careful and secure way. For example, we don't allow 3rd parties to store your information. For more details on our privacy policy, please click here.

 

-------

so as long as you know what you're allowing them to access in lieu of showing ID i guess that's ok...might work for OP if it's their only option and they really want a US account

 

 

we will try capital one and let you know the outcomes.

 

thanks everyone

[NikLR 13,227]

Nm op I misunderstood the question and I apologize.