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tmcgill

Bank of America Alert - Proof of Citizenship

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I hate banks that freeze accounts for stupid reasons.

They don't have to ask for proof of citizenship, they have access to all the databases to prove who you are, and if you are a legal citizen. Plus, they verified your identity when you opened the account.

https://www.kansascity.com/news/business/article215688615.html

http://www.seattleglobalist.com/2018/04/13/bank-asks-about-citizenship/73372#comment-940185

Wondering if the form said they would freeze access to your money if it wasn't returned.

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https://www.snopes.com/news/2018/08/04/bank-of-america-freeze/

 

Banks can be a PITA. There's no requirement that you need to be a citizen to open a U.S. bank account. If so, think of all the people like students studying in the U.S. and people with work visas that would be locked out of banking. I'm thinking a bank can decide to make that a requirement on their own, but at least there are a thousand other banks to choose from.

 

I do have some accounts outside the U.S. This has got more difficult to do thanks to stuff like FATCA. I have no plans on closing my UK accounts, as now it would be next to impossible to reopen them.

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Yeah, they just asked me last year if i was a US CIT ,  but didn't ask for proof 

 

it's all part a parcel of the patriot act ; they just ask everyone so they can tell big brother they are complying. 

 

 

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The rub with me was freezing the family's funds. Seemed extreme and unnecessary. They verified their identity when the account was opened. Couldn't they have communicated via courtesy phone call, or ask them to visit their branch?

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Yeah, they just asked me last year if i was a US CIT ,  but didn't ask for proof 
 
it's all part a parcel of the patriot act ; they just ask everyone so they can tell big brother they are complying. 


BofA started asking for citizenship online a few years ago. BofA CLI request page asks for citizenship/immigration status and country of citizenship every time you request a CLI.

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