open bank account online without ssn
One of the biggest obstacles facing anyone wishing to live without a SSN is the problems associated with opening a bank account. As you probably know there isn’t a bank in this country that will open an account of any kind without getting your SSN or Tax Id number. Of course the SSN is what the IRS uses to track your finances, build a case against you and/or assess you if you haven’t filed a 1040.
Before concluding any transaction with respect to which a report is required under Sec. 103.22, a financial
institution shall verify and record the name and address of the individual presenting a transaction, as well as
record the identity, account number, and the social security or taxpayer identification number, if any, of
any person or entity on whose behalf such transaction is to be effected. (Emphasis added)
In the event that a bank has been unable to secure . . . the required identification, it shall nevertheless not be
deemed to be in violation of this section if (i) it has made a reasonable effort to secure such identification, and
(ii) it maintains a list containing the names, addresses, and account numbers of those persons from whom it
has been unable to secure such identification, and makes the names, addresses, and account numbers of those
persons available to the Secretary as directed by him.
Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in
any State, Territory, or District to the deprivation of any rights, privileges, or immunities secured or protected
by the Constitution or laws of the United States, . shall be fined under this title or imprisoned not more than
one year, or both; 42 U.S.C. Sec. 1983 further provides that a violator shall be liable to the party injured in
an action at law, suit in equity, or other proper proceeding for redress.
Whoever . (8) discloses, uses, or compels the disclosure of the social security number of any person in
violation of the laws of the United States; shall be guilty of a felony and upon conviction thereof shall be fined
under title 18 or imprisoned for not more than five years, or both.
Be aware that . in the year 2007, under the leadership of then-Secretary Michael Chertoff, the Department of Homeland Security (DHS) attempted to implement a rule that would have required businesses to fire employees who could not resolve the no-match discrepancy within 90 days. Before it could go into effect, however, a federal judge ruled it illegal. The Obama administration recently dropped the proposed measure.
It’s unlawful to terminate or not hire one for failure to provide an IRS Form W-4 or W-9
(see Department of Justice Form I-9; or 8 U.S.C. 1324a(b), 1324a(b)(2); or Privacy Act, 5 U.S.C. 552(a).)
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