Quote Originally Posted by allodial View Post
Pretty much you dont go into a bank presenting your person as a U.S. citizen and expect to open the account within an SSN.
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.