Bank of America

[Jackie&Yosdani 0]

Lucky..

good to know we couldnt open a Joint account until 2 weeks after ssn was issued..

[CarolineM 0]

i've been with BOA since 1995....so it seemed an obvious choice for me. He had a SSN so it was easy. We put him on my acct and got him a secured credit card. One year later (in April) his credit limit was raised and they refunded our money! (That we had put down on the card). We bought a car and now he gets 5 CC offers a week MINIMUM

I have to say i've been VERY pleased with BOA....our martgage is with wachovia, however, i'm considering switching for conveniece...but man, nothing beats online bill pay for me.

[bora bora 1]

meow mix, we received a letter similar to that one from wachovia. it said that if my husband didn't show an ID with his DOB that they'd close the account - which is a joint account. so he did so.

i'm not a fan of boa, those suckers wouldn't issue me a letter from the bank for immigration, and i had a problem with that. other than that - no problems.

we have 2 accounts: wachovia and boa. we would have hsbc but there are none in central florida - only ft. lauderdale and miami.

i wanted more of a national bank so i'm not from FL and i don't know if we'll stay here. hsbc seems a good choice since that bank has branches in brazil - even where my husband is from.

[Dr_LHA 3]

I have to say i've been VERY pleased with BOA....our martgage is with wachovia, however, i'm considering switching for conveniece...but man, nothing beats online bill pay for me.

Wachovia doesn't have bill pay then? My Credit Union has online bill pay, and it only has 2 branches in the entire state! Online bill pay is hardly a BOA only feature.

Of course for me BOA isn't an option anyway, as the nearest branch is in Maryland!

Edited June 14, 2007 by Dr_LHA

[athena_ny 1]

meow mix, we received a letter similar to that one from wachovia. it said that if my husband didn't show an ID with his DOB that they'd close the account - which is a joint account. so he did so.

i'm not a fan of boa, those suckers wouldn't issue me a letter from the bank for immigration, and i had a problem with that. other than that - no problems.

we have 2 accounts: wachovia and boa. we would have hsbc but there are none in central florida - only ft. lauderdale and miami.

i wanted more of a national bank so i'm not from FL and i don't know if we'll stay here. hsbc seems a good choice since that bank has branches in brazil - even where my husband is from.

We sent them what they demanded, I was just irritated about being told that it wasn't an issue because of my SSN on the account etc, then finding out they lied to me.

[Ban Hammer 13,659]

I don't think it's breaking the law not to require a SSN for non-tax purposes.

http://www.fdic.gov/regulations/laws/rules/8000-8500.html

good post

[athena_ny 1]

I don't think it's breaking the law not to require a SSN for non-tax purposes.

http://www.fdic.gov/regulations/laws/rules/8000-8500.html

Hah. Another reason for me to stay away.

[prpplague 0]

I don't think it's breaking the law not to require a SSN for non-tax purposes.

http://www.fdic.gov/regulations/laws/rules/8000-8500.html

Hah. Another reason for me to stay away.

?? to stay away?? stay away from what?

[Caladan 19]

I don't think it's breaking the law not to require a SSN for non-tax purposes.

http://www.fdic.gov/regulations/laws/rules/8000-8500.html

good post

Helpful link. Especially if you read the whole thing:

A taxpayer identification number need not be secured in the following instances: (i) Accounts for public funds opened by agencies and instrumentalities of Federal, State, local or foreign governments, (ii) accounts for aliens who are (a) ambassadors, ministers, career diplomatic, or consular officers, or (B) naval, military or other attaches of foreign embassies and legations, and for the members of their immediate families, (iii) accounts for aliens who are accredited representatives to international organizations entitled to enjoy privileges, exemptions, and immunities as an international organization under the International Organizations Immunities Act of December 29, 1945 (22 U.S.C. Sec. 288), and for the members of their immediate families (a list of such organizations appears in title 19, section 148.87 (formerly section 10.30a), Code of Federal Regulations), (iv) aliens temporarily residing in the United States for a period not to exceed 180 days, (v) aliens not engaged in a trade or business in the United States who are attending a recognized college or university or any training program supervised or conducted by any agency of the Federal Government, (vi) unincorporated subordinate units of a tax-exempt central organization which are covered by a group exemption letter, (vii) interest-bearing accounts maintained by a person 18 years of age opened as part of a school thrift savings program, provided the annual interest does not exceed $10, and (vii) Christmas Club, vacation club, and similar installment savings programs provided the annual interest does not exceed $10. In instances (vii) and (viii), the bank shall, within 15 days following the end of any calendar year in which the interest accrued in that year exceeds $10, use its best efforts to secure and maintain the appropriate taxpayer identification number or application form therefor.

Not required in lots of cases, and where it is required, they are permitted to open the account as long as a SSN/ITIN or employer number is given within 45 days. So, Bank of America didn't support any lawbreaking.

[mawilson 2,133]

Caladan, home of House Atreides!

Where've you been?

[Caladan 19]

Around. C. and I just completed a cross-country drive to move him down here, so we've been setting up the place and his life. Now he's off to Texas for a few weeks to work (though if he doesn't call me in the next half hour, I'm going to kick his ### when he gets back), and then off to the wedding.