People do it everyday.
http://jesse2012.com/signcard.jpg
Looking closely you'll see the "
Under penalties of perjury, I certify that..." language is straight from the IRS Form W-9.
Bank of America does not hide it,
Substitute Form W-9:
http://jesse2012.com/BAsigncard.jpg
These signature agreements are examples of an easy way to quickly establish a lawful money bank account for
the person with the SSN. The
person has the SSN, not me. But I use the account for my benefit. Works great for direct deposits and has not hindered my 8 year success as a NONtaxpayer.
If you'd like to establish a bank account without SSN using Form W-8BEN, you should seek out Michael Joseph. He's the goto guy for this. You may want a good grasp of trust law to get 'r done.