joint bank accounts

[EAbbas 213]

I noticed that it's always good to have co mingling of bank accounts but because of the usa not allowing the person to open a bank account or come as a joint holder without a social security number that's hard to do. So I went to my bank and had my husband put on all my accounts my savings and checking as paid on death so now when i get my statements each month the papers have both our names on them. when he gets here we can then get him on all the accounts to be able to sign checks etc. I didnt' know if this was a good thing to do but at least its showing he is on in some way even if it is paid on death. It's definitely an option.

[Done--Really 331]

That's a really good idea !! TOD can also be used on brokerage accounts.

As to joint bank accounts, for those of you whose spouse is here, most banks will add your spouse with their passport as ID--that's what we did.

[Nataliya-Ron 7]

Its great for your own comfort, But USA banks wont let you add

your overseas wife on the account without, having a SS number

and her signature on account.

Showing statements in another dont mean to much to USCIS because

the accounts are out of the country.

There are many other way to provide proof to them.

In the packets they state what is acceptable for proof, just follow them

and you will meet the requirements for USCIS and the US Embassy.

Good Luck. also each US Embassy people working who do the interview all

have their own questions or prrof they can ask. None of them are

use the same exact questions for proof. many ask questions about your

relationship, others want proof with pictures, letters Etc.

Happy Holidays

[jkelly07 120]

my wife was over seas we applyed for a w-7 number from theIRS called itin number,she signed it we used it for a joint bank account and to file us income tax, married you get a better refund,when she came to the us and got her social security card we called the irs to change from w-7 to your new ss number.

[MJ&RJ 7]

My foreign wife was allowed by my bank to be added to my accounts even though she has no SSN or tax number. I guess it depends on the bank because they sent her a W-8 BEN to fill out.

[Wayne and Claudia 40]

Legally, a bank is not suppose to but I do know some banks who have found ways to skirt the law, namely Bank of America. My credit union absolutely refuses and even states the law verbatim. But this never was an issue for us as there are many ways to show a bona-fide relationship than being on the same bank account.

[Nataliya-Ron 7]

Anybank protects it self by not allowing such transactions

making them liable for any problems due to the wife being

associated to the account. Somer bank may allow it by my

Citi bank is world wide, and they still dont allow it with

out a SS number and a signature.

Anyway to each his own, I dont think the USCIS is looking for

proof that you have a bank account or ASSETS TOGETHER KNOWN

IF YOUR LIVING OUT OF THE USA, AND YOUR SPOUSE DOESNT HAVE ACCESS

TO US BANK OR SINGED CONTRACT WHILE STILL LVINJG OUTSIDE OF THE USA.

GOOD LUCK

[Canadiandggal 49]

Wachovia,M&t bank and PNC all allowed me to be added to my husbands account without a SSN.

[Amy and Nick 37]

I was added to Wells Fargo without SSN. Got a card for myself, and can even use it in England.

[marjus's girl 6]

I was added to Wells Fargo without SSN. Got a card for myself, and can even use it in England.

really? they denied me to add my husband with out ssn.. so i added him to utility bills and my credit card accounts and a small accidential insurance policy..hope these are all good its hard to come up with things when ur seperated..

[RosyMad 2]

Bank of America allows you to. As long as the non US citizen is present and has a passport and one other form of id such as a bank card form their native county.

My UKC husband and I opened one with them.

Good Luck!

[Amy and Nick 37]

really? they denied me to add my husband with out ssn.. so i added him to utility bills and my credit card accounts and a small accidential insurance policy..hope these are all good its hard to come up with things when ur seperated..

They allowed me no questions asked...however i was in the USA at the time, and took my passport and drivers licence in to prove identity as well as the marriage certificate!

[EAbbas 213]

But USCIS does look at whether or not your relationship is genuine...therefore having him as my beneficiary for my checking and savings accounts and my 401k is significant and of course when he comes we will change all our utility bills and bank accounts to joint with his SSN etc... and your right it's different for each embassy or person doing the interviewing but if you are unwilling to put them on your accounts its definitely a red flag...just wanted to start the process until he can be here to do it himself. Good luck to you all and Merry Christmas and may this new year unite as many of us as soon as possible and bless us all with a long happy life together!

Edited December 24, 2010 by EAbbas

[EmYeu 3]

I have Bank of America and they said I cannot add my wife to my account.

How do you go and let them approvel?

[EAbbas 213]

you probably can't add your wife until she is physically here and can show proof of id etc...however you CAN put her on as PAID ON DEATH beneficiary to all your accounts ...this is what I did with my husband until he comes and can file to get joint account with me.