Removal of conditions HELP

[horizon1245 3]

So, I’m aware of the huge importance of documents showing commingled finances when submitting ROC.

My wife and I have a joint bank account but the statements only show my wife’s name on it even though the account is jointly held by us. This is the only account we have, and we handle everything with this account (bills, groceries, direct deposits, etc).

We inquired the bank about it and they said they couldn’t produce statements with both names on for technical reasons and they provided us with bank statements with MY name on it in a different format showing the exact same transactions with the statements that have my wife’s name on it. For AOS, we submitted those TWO sets of bank statements in 2 different formats with each set showing each name. They accepted it as evidence and we got approved.

So we do the same and submit 2 sets of statements this time for ROC, will we be fine??

Any help is much appreciated, thank you.

[Dashinka 24,660]

Should be fine.  In our case, my wife and I actually maintain two separate accounts, but we are each joint owners of each other’s account.

 

Good Luck!

[Crazy Cat 41,985]

52 minutes ago, horizon1245 said:

So, I’m aware of the huge importance of documents showing commingled finances when submitting ROC.

My wife and I have a joint bank account but the statements only show my wife’s name on it even though the account is jointly held by us. This is the only account we have, and we handle everything with this account (bills, groceries, direct deposits, etc).

We inquired the bank about it and they said they couldn’t produce statements with both names on for technical reasons and they provided us with bank statements with MY name on it in a different format showing the exact same transactions with the statements that have my wife’s name on it. For AOS, we submitted those TWO sets of bank statements in 2 different formats with each set showing each name. They accepted it as evidence and we got approved.

So we do the same and submit 2 sets of statements this time for ROC, will we be fine??

Any help is much appreciated, thank you.

That doesn't sound like a joint account.  Regardless, you can only submit the evidence you have.  You could submit both sets of statements along with an explanation.  Shared financials are important, as is shared property and expenses.  

Edited March 30, 2020 by Lucky Cat

[Ksenia_O 696]

5 hours ago, horizon1245 said:

So, I’m aware of the huge importance of documents showing commingled finances when submitting ROC.

My wife and I have a joint bank account but the statements only show my wife’s name on it even though the account is jointly held by us. This is the only account we have, and we handle everything with this account (bills, groceries, direct deposits, etc).

We inquired the bank about it and they said they couldn’t produce statements with both names on for technical reasons and they provided us with bank statements with MY name on it in a different format showing the exact same transactions with the statements that have my wife’s name on it. For AOS, we submitted those TWO sets of bank statements in 2 different formats with each set showing each name. They accepted it as evidence and we got approved.

So we do the same and submit 2 sets of statements this time for ROC, will we be fine??

Any help is much appreciated, thank you.

Ask your bank if they could provide you with a Statement,  called "Personal Signature Card Addendum - Add Owner(s)".   That the statement your wife and you should've signed when she added you to the bank account. 

 

here is an example. The look f the form will vary, form bank to bank. US bank, for example, had a lot of info on our Statement - our DOB, SS#, addresses, date when I was added to the bank account and etc...

Anyway, I believe each bank should have something like that on the  record....

Edited March 30, 2020 by Ksenia_O

[horizon1245 3]

5 hours ago, Dashinka said:

Should be fine.  In our case, my wife and I actually maintain two separate accounts, but we are each joint owners of each other’s account.

 

Good Luck!

Thank you! But in your case, wouldn’t it be considered as having 2 joint accounts instead of separate accounts?

[horizon1245 3]

5 hours ago, Lucky Cat said:

That doesn't sound like a joint account.  Regardless, you can only submit the evidence you have.  You could submit both sets of statements along with an explanation.  Shared financials are important, as is shared property and expenses.  

It is indeed a joint account, we have debit cards for both of us and we have equal rights/access to the account, and the two sets of statements show the exact SAME transactions. For AOS, we submitted a letter from the bank confirming it is an active joint account and a direct deposit from with both names along with the two sets of statements. The bank said since she was the sole “primary” owner of the account before she added me, the statements only have her name, even after I was added as a joint owner. They admitted it was a technical issue and said they’ll work on it.

I just want to make sure it’ll be accepted and I’m panicking! 😭

 

P.S. it is fifth third bank if that’s any information.

Edited March 30, 2020 by horizon1245

[horizon1245 3]

59 minutes ago, Ksenia_O said:

Ask your bank if they could provide you with a Statement,  called "Personal Signature Card Addendum - Add Owner(s)".   That the statement your wife and you should've signed when she added you to the bank account. 

 

here is an example. The look f the form will vary, form bank to bank. US bank, for example, had a lot of info on our Statement - our DOB, SS#, addresses, date when I was added to the bank account and etc...

Anyway, I believe each bank should have something like that on the  record....

Thanks a bunch! I remember we had to sign that form when she added me to the account, will definitely try to get it.