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Author Topic: I need help finding a bank, please read.  (Read 2185 times)
fabrizziop
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January 20, 2012, 04:05:02 AM
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Hi. I'm less than 18 years old. I need to get a bank account in the US, since I'm there until the day after tomorrow. But, I can't find a bank with the following requisites:

-Able to give a checking account(and preferably a debit card) to a person under 18(14, specifically) and that lives outside the country. I don't want the savings account bullshit, as I will be moving money a bit.

-Less than 500$ min amount to open and that amount for no mensual cost.

-Don't ask for US address(be P.O. Box or anything) verify. I can give them proof of my Venezuelan address, but it will be hard for me to prove my courier address here.

-Don't have any type of bitcoin-related restrictions, support dwolla/etc.

I already went to TD bank, no checking account for underages. Chase told me that I can get a checking account as a co-account related to an adult's one. But, I need to verify my P.O. Box here, and that will probably be an issue for me. Please help ASAP, and if this doesn't belongs here, please move it.

The funds are for reinvesting mined and traded bitcoins into hardware. I already have a bank account in Venezuela, but Bolivares aren't worth anything at all, and devaluate 30-40% a year.

Thanks in advance. I'm in Miami, so the bank need to have a branch around here.
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bittenbob
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January 20, 2012, 04:09:53 AM
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If that's really what you want it for then might I suggest:

http://www.spendbitcoins.com/

or

http://giftcoin.net/

No bank account needed. As far as I know you would not be able to get a bank account anywhere in north america with the situation you described. Feel free to send some coins if this helps you reinvest.
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January 20, 2012, 04:17:37 AM
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I suggest trying this list of online-only banks.  I don't know if any meet your requirements, but it's a good starting point.  http://www.pfstuff.com/

I know it's hard to get an account as a nonresident.  If you don't succeed, I can at least solve the problem of VEF devaluing against the USD: if you trust a Bitcoin exchange that supports USD, just keep your money as USD there, and trade to BTC when you want to spend.  If you would prefer to work with a domestic (VE) institution, you can do the same with the forex markets: just deposit your VEF, trade to USD, and only trade back when you want to spend.

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January 20, 2012, 04:22:17 AM
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1. Your grammar is quite well for a 14 year old.

2. Ask Mom/Dad/Guardian

3. http://en.wikipedia.org/wiki/Emancipation_of_minors <-- But won't work in your situation.

4. wth?

Corporations have been enthroned, An era of corruption in high places will follow and the money power will endeavor to prolong its reign by working on the prejudices of the people until wealth is aggregated in a few hands and the Republic is destroyed. ~Abe Lincoln 1ApJdWUdSWYw8n8HEATYhHXA9EYoRTy7c4
fabrizziop
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January 20, 2012, 04:39:58 AM
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I'm in a trip here, returning jan 21, I don't want to emancipate Smiley . The 500$ to open/freely mantain is arbitrary, I can ask my parents to lend me some money, and then I return it when I have the funds.

My parents want to open another bank account, so I don't care if they need a legal guardian/parent account. I want the account at my name, to avoid hassles with my family. And I'd like a bank account to be able to easily wire money to/from exchanges/people, and to get a debit card preferably.

VEF exchange is tightly regulated by the government, it's illegal to exchange in other ways, and I can't exchange it being a minor.

And, well, I'm not one of those 14-year-olds who love to chat in SMS-like language, In fact, I hate that.
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January 20, 2012, 09:27:30 AM
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You can try perkstreet, its an online bank. You can open an account without ever meeting anyone.
You could also get a green dot/rush card/money network card and link that with dwolla and paypal with the direct deposit numbers.

If you want to send me some coins: 1M1RFqdDHZQCezWZ9CrKvQav1MgriqjCK1
fabrizziop
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January 20, 2012, 12:11:35 PM
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Perkstreet asks me SSN, so it's a no go. I'll look into Green Dot, although for that I better get the prepaid visa cards from bitcoincashout if/when they have stock.
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January 20, 2012, 02:35:53 PM
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Perkstreet asks me SSN, so it's a no go. I'll look into Green Dot, although for that I better get the prepaid visa cards from bitcoincashout if/when they have stock.

Your best bet is probably to get an offshore USD account - they're used to dealing with foreign mailing addresses. I imagine there may be some that still have access to the US ACH system.
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January 20, 2012, 03:28:51 PM
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Look into an E-Trade brokerage account. It used to be you could open one easily as a non-resident and it has many of the same features as a bank account. It had a $1000 minimum opening balance before but it's been years and I have no idea if all that has changed. There used to be sellers on eBay who sold this "secret" for $5-10!

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January 21, 2012, 09:05:55 AM
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Look into an E-Trade brokerage account. It used to be you could open one easily as a non-resident and it has many of the same features as a bank account. It had a $1000 minimum opening balance before but it's been years and I have no idea if all that has changed. There used to be sellers on eBay who sold this "secret" for $5-10!
Nah, you need to be a resident of US now to open an account automatically online, and deposit a minimum of $2000. However, you could phone them and try getting one if you really want to without being a resident (knew a guy who did that).

Your best bet is getting a P.O. box within USA (and its quite easy to) to verify your Chase account. I used to use LR as an offshore bank though as they don't need any forms of verification ... Grin easy to convert to other forms of money (paypal or bitcoins and so)

My BTC Tip Jar: 1Pgvfy19uwtYe5o9dg3zZsAjgCPt3XZqz9 , GPG ID: B3AAEEB0 ,OTC ID: johnthedong
Escrow service is available on a case by case basis! (PM Me to verify I'm the escrow!)

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January 23, 2012, 07:18:50 PM
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Perhaps a bank isn't needed.

A bank is useful for things like paying bills and recieving a wage that can only be paid that way. If you 've got to have this functionality a building society or credit union can also fill that role.

If you don't actually need this then... why not enjoy staying off the radar?

The other thing it might be useful for is building an identity, so you can show you are a reliable person with a bank account I suppose.

But everything else can be done by other means.

A simple one would be a Moneybookers account with a card. Same thing for a million and one other providers.

You should define here what things you need in a bank account. Is it something to pay something into?

If you want US dollars I believe any account in dollars gets funds routed through the US and thus has more scrutiny. You also probably get a lot of prying from the US anyway in general as well.
Matthew N. Wright
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January 23, 2012, 07:20:21 PM
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Hi. I'm less than 18 years old.

I'm in Miami, so the bank need to have a branch around here.

Would you perhaps be that scamming teenager from Florida that ripped people off in the Marketplace and on IRC?

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January 24, 2012, 10:25:52 AM
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Hi. I'm less than 18 years old.

I'm in Miami, so the bank need to have a branch around here.

Would you perhaps be that scamming teenager from Florida that ripped people off in the Marketplace and on IRC?

I'm shocked that you don't find the OP credible Matthew.  Shocked, I tells you!

All I can say is that this is Bitcoin. I don't believe it until I see six confirmations.
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January 24, 2012, 10:39:55 AM
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Hi. I'm less than 18 years old.

I'm in Miami, so the bank need to have a branch around here.

Would you perhaps be that scamming teenager from Florida that ripped people off in the Marketplace and on IRC?

I'm shocked that you don't find the OP credible Matthew.  Shocked, I tells you!

Me loves some drama. Trolololol.

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