Why was the W-9 signed at all? You can request a non-interest account with no W-9 requirement or you can just deny to sign the W-9 uunder the agreement that they will not pay interest on deposits. I went in asking for a non-interest bearing account and they said, "We don't have any of those." But when I wouldn't sign the W-9 they said, 'Then you will not receive interest on the account." EXACTLY! That is what I asked for!
I looks like there might be a typo and you meant to say. "without an SSN".