okay guys this thread has taken a wrong turn.. if you want to discuss this further open a new thread, and you are welcome to discuss it further! I will not allow further discussion here about US bank account opening and how to! Should you continue I will delete all replies from now on which are off topic and has nothing to do with OP's initial message.
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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.