http://www.irs.gov/taxtopics/tc423.html
So "Freed" is all set there.
Just like to say that it can be done:
http://img10.imageshack.us/img10/9007/bofasc.jpg
I had no trouble doing this multiple times but if one bank gives you flack, just try another; there is no shortage of banks!
Remember this is a private agreement between you and the bank. You have a unlimited right to contract in America.
Also, see at the top it says
Personal Signature Card with Substitute Form W-9. Form W9 is clearly an IRS tax form. Therefore we can say there is government reporting on the SSN/TIN going on - or perhaps, the potential of government reporting. And yet here we all are, all we suitors saying the amounts deposited here are not
taxable income under statute, not paying taxes on the lawful money deposited, and the IRS agreeing.