thank you david, i did make my demand, but my reservations (providing SSN) are probably not worth the trouble i am giving them, i just dont know for sure what the bank is doing with the number. are my apprehensions unfounded? i have been reading the identity posts lately and on this journey there are some confusing aspects to identity, i know who i am, so does owner of bank. which is why i am reluctant to provide SSN for identification where in SSA says not to use it for such. and thank you again for your insight and i will look at a course in miracles