In many cases, one has to identify him or herself when opening an account in any bank for instance using a driving permit, passport or a social security number. However, in some circumstance you may not afford to produce these documents. However, if you do not have any of these or you are out of your country elsewhere as an immigrant or a student or in any case whereby you do not have your ID handy here are some ideas and actions that you can still take in order to open a bank account.
1. Look for Banks with Flexible Requirements
While the procedure may be rigid, some of the banks may show a little flexibility especially common banks or the credit unions. These institutions might accept other types of identification, including utility bills, student IDs or letters from your employer or landlord. This is a good place to do some research on local banks and credit unions to determine which financial choices that is available to you.
2. Consider Online-Only Banks
Competition for these positions is likely to be different from that in a normal bank with a physical branch since many online-only banks have different standards as compared to the conventional physical banks. It is possible that some online only banks may create an account where you the user, use the social security number or Tax Identification Number as a number of account opening option. These banks might also allow for electronic documentation thus enabling those who do not own physical IDs to meet the requirements.
3. Use Alternative Identification Methods
In some cases, banks may accept alternative forms of identification, such as:
- A birth certificate
- An example of the last type is an Individual Taxpayer Identification Number (ITIN)
- Letter from a State Department
- Utility bills or a rental agreement that shows the person’s current residential address
- Often it is possible to use such papers instead of the regular photographic identification.
4. Explore Second-Chance Bank Accounts
A second-chance bank account might be possible if you have been in some issue with previous bank accounts or do not have a standard identification. These accounts are intended for those clients who had some problems with their banking experience before, or those who are denied basic banking services. This is especially so because, despite being more limited or charging higher fees or the fact that they may have restrictive features regarding one’s account, regular casinos can serve as a good foundation. Contact us for more information on bank account without id.
5. Ask About a Bank’s Policies
In case you are not so certain whether it is possible to submit the necessary documents, don’t fail to contact the bank. Tell them your case and inquire if they have any other solutions or accommodations for people who do not possess conventional identification documents. This is therefore means that many banks are willing to help potential customers find a solution especially if the other forms of identification is available.
6. Use a Prepaid Debit Card
In case you cannot open a normal bank account, the best option that you can use is the prepaid debit card. It is very common to have prepaid cards and they do not ask for that much identification as would a bank account, it enables you to deposit, pay your bills as well as make purchases. They may not possess all the characteristics of a common bank account but they make good options wherever you can temporarily keep your cash if you cannot get the documents necessary to open an account.
7. Seek Assistance from Advocacy Groups
If you find it difficult to open an account with no ID, there are some organizations or NGO whereby they assist those who have many challenges in opening accounts with banks. These groups can provide information and emotional and sometimes even legal support to the people that want to go through this process.
It is also possible to open an account with a bank but this may not be an easy thing if you don’t have an ID. With regards to banking facilities, which mostly involve identification, you can seek help from other sources and even through a community based organization, you can secure the banking facilities you want. However, the above information is rather general and it is highly recommended to contact the banks individual in on case to another to seek individual advice as much may vary.
