FAQ (frequently asked questions)

FAQ


1. What is the Initial Deposit?
The bank says there is an initial deposit of $1,000(US). However, you can open the account without any deposit and then add any amount you like. I opened my account with no deposit at all. I later added $10 there is no minimum balance after your account has been opened.

2. Are there any account fee?
No fees within your first 12 months, regardless of your deposit amount (even if you only have $5 in you account) after that time you account can stay free of maintenance fees as long as you keep it active.

3. Do I need a US tax file number?
No. Not even you own country’s tax file number is needed.


4. How much can I withdraw per day?
You can withdraw up to $500 a day using your VISA debit card. You can write a check in any amount (up to your balance). You can wire transfer any amount (up to your balance) to any other bank account.


5. Can I withdraw Pay pal funds?
Yes, you can withdraw funds from pay pal and any other account that does ACH (direct transfer). They will be deposited directly into your US bank account without any fees.


6. Do I need Bank reference letter?
No. A photocopy of your passport is all you need. The photocopy does not have to be notarized.


7. Will I receive account statement?
Yes. You can either view them online or have them mailed to you.


8. Do I need a US mailing address?
No. The bank airmails documents and statements internationally.


9. Can I use my VISA debit card in any country?
Yes. You can use your VISA debit card at any ATM. You can also use it wherever VISA is accepted.


10. Can I deposit US checks?
Yes. Just endorse the check and mail it directly to the bank .


11. Can anyone open an account?
Account cannot be opened for people from the following countries; North Korea, Cuba, Iraq, Libya, Sudan, Liberia, Sierra Leone, the UNITA faction in Angola, Syria, and Burma.
1. What is the Initial Deposit?
The bank says there is an initial deposit of $1,000(US). However, you can open the account without any deposit and then add any amount you like. I opened my account with no deposit at all. I later added $10 there is no minimum balance after your account has been opened.

2. Are there any account fee?
No fees within your first 12 months, regardless of your deposit amount (even if you only have $5 in you account) after that time you account can stay free of maintenance fees as long as you keep it active.

3. Do I need a US tax file number?
No. Not even you own country’s tax file number is needed.


4. How much can I withdraw per day?
You can withdraw up to $500 a day using your VISA debit card. You can write a check in any amount (up to your balance). You can wire transfer any amount (up to your balance) to any other bank account.


5. Can I withdraw Pay pal funds?
Yes, you can withdraw funds from pay pal and any other account that does ACH (direct transfer). They will be deposited directly into your US bank account without any fees.


6. Do I need Bank reference letter?
No. A photocopy of your passport is all you need. The photocopy does not have to be notarized.


7. Will I receive account statement?
Yes. You can either view them online or have them mailed to you.


8. Do I need a US mailing address?
No. The bank airmails documents and statements internationally.


9. Can I use my VISA debit card in any country?
Yes. You can use your VISA debit card at any ATM. You can also use it wherever VISA is accepted.


10. Can I deposit US checks?
Yes. Just endorse the check and mail it directly to the bank .


11. Can anyone open an account?
Account cannot be opened for people from the following countries; North Korea, Cuba, Iraq, Libya, Sudan, Liberia, Sierra Leone, the UNITA faction in Angola, Syria, and Burma.

How To Open a US Bank Account , Free !

HOW TO OPEN A USA BANK ACCOUNT, FREE OF CHARGE!!



The fastest way to open a US bank account – your account activated within 2 weeks.

Free US checkbook.

No SSN (Social Security Number).

No US address required

Free Platinum VISA debit card after account is activated.

No credit checks, no annual fees on the card, no withdrawal fees (even if used outside the US).

Account cash deposit is 100% insured up to $100,000!

No account minimums (after initial deposit).

Make withdrawals from and purchase around the world with your VISA card.

Free ACH direct deposits—deposit directly into your account from pay pal, Ad sense, 2CO, and more.

Full internet banking facilities available.

Deposit US check by mailing them directly to your new bank account.


No need to certify passport – just mail a photocopy!

Simple, short account opening form included.

Life guarantee!



Open a US Bank Account, for Non Americans, with FREE VISA Debit Card, in 2 weeks. Guaranteed!
Deposit funds from paypal, stormpay, 2CO, Google Ad sense, EBay, Click Bank, and more. Withdraw funds from any ATM around the world.

If you are selling using pay pal, 2Checkout, Storm pay, Click Bank, or any other common payment service, you know how expensive and time consuming is to get your fund in your country.

I wrote this report to help people like myself, who searches for an easy way to open a US Bank Account without Social Security Number, without going to the US, and virtually without cost!

But before you start, read through the FAQ. (Frequently asked question).

Now, let’s go to work.



Step1: Which Bank?

Introducing Financial! (Financial owns Banks and Securities, LLC)

This bank has provided excellent and fast customer service. I was able to open our bank account within 10 days – and that includes mail delivery tome from my country to the USA.


You can visit the bank now at www.etrade.com but don’t click to open your account! Filling the wrong form will get your application denied. I’ll walk you through the right process in just a minute.

To open your account we will be using the service of securities, LLC- a member of the SIPC( Security Investor Protection Corporation).It is affiliated with Bank-allowing you to have banking service

Step 2: Opening Your Account.

Offers two accounts and two different forms: the first account is a Checking Account. Non-US residents can’t open this account.

The second account is a brokerage account. It works just like a checking account. However, you also have the option to use it for investing (You don’t have to invest if you don’t want to – you can just use it as a checking account).

This account is available to residents and non-US residents. This brokerage account allows you to write US checks, have a VISA Platinum Debit Card, and full internet banking. You can also ACH (direct deposit) funds from pay pal, 2CheckOut, Ad sense, or any other US bank.

As a non-US resident you will need to fill out the following forms:

1. Brokerage Account Application
2. Tax Withholding Form (W-8BEN)



Tax will not be withheld from your deposit. Tax is only withheld if you make profit on an investment made through.

Mail both forms along with a photocopy of your passport:

E*TRADE Securities LLC
P.O.Box 1542
Merrifield, VA 22116-1542
USA.

Step 3: Ordering Your FREE checkbook.

You can phone and request your checkbook before receiving you welcome kit, and even before any fund have been deposited into your account.
Just call them on 1-916-636-2510.
Alternatively, you can wait to request a checkbook after you receive your welcome pack.

You can also ask for your account details over the phone and login to your bank account. YOU DO NOT have to wait for your welcome pack to access your account and deposit funds.

Step 4; Initial Deposit

You can fund your account by including a US check money order with your application. However, if you are including a check order, it will need to be at least in the amount of $1,000.

Or………..

You can fund your account in any amount via Pay pal, 2CheckOut or any other account via ACH (direct deposit). Initial deposits can be $10 sent from pay pal.

You can also wire funds, in any amount, from your home bank account.

Step 5; Requesting Your Visa Debit Card.

Your welcome pack will arrive in approximately 2 weeks. It will include a simple form to request your Platinum VISA debit card. Please note; you will need a minimum balance of $1,000(US) before you can request your VISA card.


After you have opened Your Account;

Once your account is open you are now ready to add your details to pay pal, Ad sense, or any other place you want to receive ACH(direct debits) from. Just enter the following details to transfer funds into your new US account.


Bank name: ETRADE BANK.
Routing number: 056073573.
Accounting type: Checking Account
Account number: Your personal account number.


*ACH (direct transfer) is different from a wire transfer. A wire transfer has different routing number and usually used for International Transfer.

Enjoy banking in the USA!


Here is the link for this Complete Investment (Brokerage) Account:

http://us.etrade.com/e/t/microsite/custwelcome?SC=