How DO I open a bank account that is not attached to any SS number or State ID?

[David Merrill]

I too have been looking into opening a small account based on a best scenario:

The Ideal: Find a SMALL state Credit Union (State, NOT Federal Credit Union, nor FDIC insured. The determining giveaway here is merely the lack of the word Federal; just "Credit Union") rather than a bank, in perhaps a State with no income tax like South Dakota or Washington. Open a NON-interest bearing account and get your Lawful Money verbiage on your signature card.

The Problem:
I've seen older SSN cards say they are not to be used as ID. Even with a SSN, passport, Driver's Lic., Birth Certificate and credit card, the establishment points out the Patriot Act, and requires a utility bill (?!?!) and/or picture ID with your current home address. What to do when you don't have a current home address such as a full time RV'er in transition, and don't want to subject yourself to REAL ID intrusions nor establish residency. Trying to quash some burocracy.

The Solution?
Eliminating the tellers and going to the manager may be best, but knowing what to say/show first would help. Charm wit and smiles aside, I imagine one being not worth the hassle by the time you get the signature card verbiage attempted. Any others in this scenario have any suggestions? I am open to out of state options. I've tried while recently in Fl. Maybe I'll have to try an out of country option?

The Notice and Demand (NaD) process directly on the Federal Reserve bank is a good method. Once the papers are all marked up you can serve it on the bank manager and forget about the signature card.

Some suitors simply file a 1040 with redeemed lawful money demands on the paychecks for evidence. The memorandums to IRS agents do not cover anything specific about redeeming lawful money so whenever they assess a frivpen they are outside the scope of their authority. The NaD replaces the Libel of Review (LoR) only because the filing fee for the federal civil suit has been bumped steadily by $50 increments.

[Xabre]

Also that when opening a new account the program that is now used around the world does NOT ALLOW for small caps input, as everything is done in All Caps to insure that you are entered into the banks computer system as a "Corporation", I tried to open a new account for direct deposit and requested my name be inputted in small caps and it could not be done I inquired as to why and the bank manager demanded that I leave the bank, and he not answer any questions, he did however say that he was NOT interested in my business...needless to say I did not open an account at that branch.

X

[JohnnyCash]

That was not true a few years ago when this account was established: http://jesse2012.com/signcard.jpg
Both the Account Title & Name 1 printed out in Lower Cap.

[EZrhythm]

Did you sign a W-9 for that account?

There are folks are filling out W-8BEN forms and changing their status to Non-Resident Alien. This doesn't effect the man's status as being a State National but changes the status of the person from being a US Citizen so that the NAME no longer is such.

[allodial]

Pretty much you dont go into a bank presenting your person as a U.S. citizen and expect to open the account without an SSN.

[JohnnyCash]

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.

[EZrhythm]

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!

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.

I looks like there might be a typo and you meant to say. "without an SSN".

[allodial]

Corrected. TYVM.

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.

As was much discussed on the older sites (2000 to 20010), one can file a fictitious reg with the SoS or County Clerk or something like that showing John Henry of the private household called "Smith" near Lallapalooza, Tennessee doing business as JOHN SMITH, 100 Main St., Memphis, TN 00000 or the like. One could even obtain an EIN and bring both fictitious registration and the IRS EIN assignment to the bank. Perhaps alternatives might come to mind.

[JohnnyCash]

The W9 was signed to obtain the bank account, deposit lawful money, pay no income tax, & end the FED.

I'm sure we'd all be interested in the agreement you signed for the non-interest bearing account. Could you sanitize & share?
Thanks

[EZrhythm]

All I did was refuse to sign a W-9. They then said that the account would not be paid interest and I said, OK. No W-9 was signed just the standard account agreement. This was before demanding lawful money so there was no editing made to the account agreement/signature card.

The W-9 is merely a permission slip for the IRS to receive account information from the bank about your account.

[JohnnyCash]

Oh, so you have no lawful money bank account. Thanks for that.

Maybe allodial person does.

[allodial]

The banks are *supposed* to simply provide notice to the Treasury Dept. when a bank account is opened without an SSN and open a non-interest bearing account. In some countries interest-bearing accounts are the only option.

[EZrhythm]

Oh, so you have no lawful money bank account. Thanks for that.

Maybe allodial person does.

At that time, for that account there was not a demand made for lawful money.

[JohnnyCash]

As was much discussed on the older sites (2000 to 20010), one can file a fictitious reg with the SoS or County Clerk or something like that showing John Henry of the private household called "Smith" near Lallapalooza, Tennessee doing business as JOHN SMITH, 100 Main St., Memphis, TN 00000 or the like. One could even obtain an EIN and bring both fictitious registration and the IRS EIN assignment to the bank. Perhaps alternatives might come to mind.

That leaves us wondering ... just how did allodial establish his/her bank account?

[allodial]

That leaves us wondering ... just how did allodial establish his/her bank account?

I have tended to recommend to the furthest extent possible that accounts never be opened in one's name, non-statutory entities preferable. I'm unaware of have any bank accounts in my name. Even cops have complimented me on this point.

Greedy relatives and stalkers and shady folk aren't happy with that kind of thing when they can't find out where you bank or what name the accounts might be in and if one dies or becomes incapacitated they don't get anything through probate--so knocking you off for money loses its attraction (i.e. no probate and they aren't next of kin to a business).

I've heard stories of "good sweet daughters" who drained their mom's bank accounts and maxed out credit cards while she was in the hospital because of being certain mom was gonna die.

Wolves hate it when sheep aren't easy to eat.