personal account USA and proof of address

[USDT]

Are you aware of any banks in the United States where a non-resident could open a personal account without providing proof of address? I'm primarily interested in major banks or, if necessary, local banks in California. From what I understand, a few years ago it was easier to do so, but now all the banks I have inquired about (such as BoA, Wells Fargo) require proof such as a utility bill, etc., when opening an account. Is it possible nowadays to bypass this requirement and use a mail forwarding service address without providing proof of address when opening an account?

 

[JohnnyDoe]

Solution: GIMP

Toggle signature

@JohnnyDoe ”“ Your #1 Source for Guidance in Different Offshore Fields​

 

[zzzzzz]

usdt said:
Are you aware of any banks in the United States where a non-resident could open a personal account without providing proof of address? I'm primarily interested in major banks or, if necessary, local banks in California. From what I understand, a few years ago it was easier to do so, but now all the banks I have inquired about (such as BoA, Wells Fargo) require proof such as a utility bill, etc., when opening an account. Is it possible nowadays to bypass this requirement and use a mail forwarding service address without providing proof of address when opening an account?
Click to expand...

KYC/AML rules require them to ask for your residential address (street, building nr. , apt. nr., city, country). Mail forwarding service is just mailing address.

 

[USDT]

JohnnyDoe said:
Solution: GIMP
Click to expand...

it's not a good idea to paint a utility bill for the mail forwarding service address. It can be easily verified.

zzzzzz said:
KYC/AML rules require them to ask for your residential address (street, building nr. , apt. nr., city, country). Mail forwarding service is just mailing address.
Click to expand...

I agree with you, but what can I do if I do not live in the USA? As far as I can tell from posts on forums and reddit, people often use these services without problems. And service sites explicitly indicate that they can be used for such purposes. Although there is a risk that later the bank may ask you to clarify the data or even close the account

 

[JohnnyDoe]

usdt said:
it's not a good idea to paint a utility bill for the mail forwarding service address. It can be easily verified.
Click to expand...

You can be smarter than that 😉

Toggle signature

@JohnnyDoe ”“ Your #1 Source for Guidance in Different Offshore Fields​

 

[JustAnotherNomad]

BofA should open accounts for nonresidents, unless something has changed. You will still need a US mailing address though, and the account can only be opened in person. Bring two types of ID. The US address will be on your bank statement.
Bank statements are generally accepted as utility bills.

 

[USDT]

At the BofA branch, the manager said that even confirmation from Airbnb would be sufficient as proof of address. The call center said that this is not enough. So it really depends on the branch

 

[JustAnotherNomad]

BofA does not require any proof of address, unless something has changed. You give them your true home address abroad, they only require a mailing address in the US as they don't ship cards overseas.

 

[USDT]

JustAnotherNomad said:
BofA does not require any proof of address, unless something has changed. You give them your true home address abroad, they only require a mailing address in the US as they don't ship cards overseas.
Click to expand...

I think it's no longer the case, as both in the call center and at the branch, they require bringing proof of address.

 

[JohnLocke]

JohnnyDoe said:
Solution: GIMP
Click to expand...

are you serious ? 😀

usdt said:
I think it's no longer the case, as both in the call center and at the branch, they require bringing proof of address.
Click to expand...

There must be virtual addresses to rent like clever has for most parts of the world.

Toggle signature

>> Unlock the Power of OffshoreCorpTalk: Become a Member of the Mentor Group Gold <<​

Latest Video Interviews, Offshore Company Resources, Payment Processing Tips & Tricks, Articles and Anonymity Hints only a click away!
Support the Freedom of Speech of our Community

Disclaimer: Nothing I say should be taken as tax, legal or financial advice. Anything I say is for general informational purposes only. Always seek independent professional advice.​

 

[JohnnyDoe]

JohnLocke said:
are you serious ? 😀
Click to expand...

yes. Or a guy on tg who charges $30, if you are not good at DIY.

Toggle signature

@JohnnyDoe ”“ Your #1 Source for Guidance in Different Offshore Fields​

 

[JustAnotherNomad]

usdt said:
I think it's no longer the case, as both in the call center and at the branch, they require bringing proof of address.
Click to expand...

You can bring proof of your overseas address? You literally tell them you don't live in the US. I know several people who opened accounts with BofA... last year, I think. Without any proof of a US address.
But of course something could have changed, I don't know.

 

[USDT]

JustAnotherNomad said:
You can bring proof of your overseas address? You literally tell them you don't live in the US. I know several people who opened accounts with BofA... last year, I think. Without any proof of a US address.
But of course something could have changed, I don't know.
Click to expand...

they answer that you need to reside in the usa to open an account

 

[JustAnotherNomad]

Definitely not true, unless something has fundamentally changed. Maybe walk into a branch instead of talking to their call center.

 

[latindev]

usdt said:
they answer that you need to reside in the usa to open an account
Click to expand...

Go to florida (preferible orlando or miami) because they are used to open accounts for foreigners, go to any bank building and open an account. They need an address in the US because that's where they will ship everything so you need to stay in the US for a few weeks. That's all you need

 

[USDT]

JustAnotherNomad said:
Definitely not true, unless something has fundamentally changed. Maybe walk into a branch instead of talking to their call center.
Click to expand...

I was told the same thing at the branch, though I only visited one

 

[JustAnotherNomad]

I would try a different branch.
You can also try TD Bank, they are also said to open accounts for nonresidents.

 

[Radko]

I don't know all the requirements from all the banks in the U.S. but the ones that I know will ask you to provide a U.S. address.
However, there are banks, mainly in Florida as someone has mentioned, that will open an account for you without a U.S. address.

I have an account with Chase and I don't live in the U.S. but Chase will now ask you for a U.S. address.

But you have two solutions that I can think of...

1) You open an account with a U.S. Broker that besides giving you a brokerage account will also give you a checking account, and a debit card. I recommend Charles Schwab, but you'll need to provide an address somewhere in the world.
2) The second option is that I put in contact with someone that will open an account for you in either Chase or BofA without having to provide a U.S. address, but you will have to provide an address somewhere in the World (the guy that I know is legit, I know him, but he will charge you a few thousand Euros, he offers a lot of services related to Banking, Company formation, etc.)

I also know a company that does provides the same services as the guy that I've just mentioned, the company is in Singapore and they are also legit. They will charge you of course.

But regardless of the path you choose to open an account in the U.S. you will have to provide an address somewhere, maybe your parents home if you don't want to give your address.

 

[latindev]

Radko said:
I don't know all the requirements from all the banks in the U.S. but the ones that I know will ask you to provide a U.S. address.
However, there are banks, mainly in Florida as someone has mentioned, that will open an account for you without a U.S. address.

I have an account with Chase and I don't live in the U.S. but Chase will now ask you for a U.S. address.

But you have two solutions that I can think of...

1) You open an account with a U.S. Broker that besides giving you a brokerage account will also give you a checking account, and a debit card. I recommend Charles Schwab, but you'll need to provide an address somewhere in the world.
2) The second option is that I put in contact with someone that will open an account for you in either Chase or BofA without having to provide a U.S. address, but you will have to provide an address somewhere in the World (the guy that I know is legit, I know him, but he will charge you a few thousand Euros, he offers a lot of services related to Banking, Company formation, etc.)

I also know a company that does provides the same services as the guy that I've just mentioned, the company is in Singapore and they are also legit. They will charge you of course.

But regardless of the path you choose to open an account in the U.S. you will have to provide an address somewhere, maybe your parents home if you don't want to give your address.
Click to expand...

BofA requires an address in the US to open it, I have one account with them and that was one of the requisites, I used a rented address and it was ok for them.

 

[Radko]

latindev said:
BofA requires an address in the US to open it, I have one account with them and that was one of the requisites, I used a rented address and it was ok for them.
Click to expand...

The problem that I see having a U.S. address is that if you invest that money through that U.S. bank you'll pay taxes in the U.S.
Now if you just need a checking account in the U.S. you can open it without having to rent a place in the U.S.