What if I open a checking account using a ssn that is slightly different from my real one?

Question

The reason being, I have poor credit and cannot open one using my real ssn. Will I be discovered? Will I be prosecuted?? How does this work?

Answer 1

That would be fraudulent and you could be fined and/or go to jail.

When banks won't open a bank account for you, usually it's because you have a bad record with ChexSystems. Meaning in the past, you've written bad checks and had considerable Non-Sufficient Funds in your account. Bad ratings with ChexSystems usually expire after a few years (3 years or more). My advise is: wait until that term is up then apply for a bank account again. If you cannot wait, ask someone (a close family member perhaps) to open a bank account for you under their name until your name clears up with ChexSystems. But be sure not to ruin their standing with the bank!

Another thing is it's also about WHO you kow. If you or a close family member know someone who works as a manager in a bank, that person may be able to let you open an account even with a bad history.

Good luck!

Answer 2

You won't be able to produce anything with you SSN on it, so they won't open you an account. Even if they do open you an account, yes you will be eventually caught and prosecuted.
Your best bet will be to open a high risk checking out. Just talk to a local bank branch about what you can and should do.

Answer 3

for a checking account all you need is the money to keep your account open. (the minimum) i don't see why would you have problems if you don't have any credit or poor credit. that would affect if you were trying to open a credit account. oh..and don't even think about using a fake ssn. ur going to get in trouble and probably end up in jail so take that idea out of ur mind.

Answer 4

I can't believe are the rude answers you got. However, I would try to find a bank that does not do credit checks. Regardless what anyone else say's there are banks that do not do credit checks. I got some here in my town and it is small.

Here what is I found out.
Some banks check credit for both checking account & debit card.
Some banks check credit for debit card.
Other banks only check telecheck or cheqsystems for bad checks.

Tell the bank you don't want overdraft protection.

Do not give a false social secuiry number out.

Answer 5

Dont do it, thats why their are called BANKS, The banks know this already because people try every kind of funny things and now their are very careful.What you can do try to open a account where you put your money in the credit card,just till you fix your credit. It is called the account now.Visit www.accountnow.net. I have one card for my business. This also helps you track your business or even personal money.This is a benefits of a checking account without the paper.Once you fix your credit, then call the banks you have in your area and find out which bank will be able to help you. Wish you good luck.

Answer 6

They look up your ssn and they check your name. They'll know that your ssn is invalid. The only way to do so is if you know the person's name the ssn belongs to. And that's highly illegal... identity theft... could lead to prison time.

Try www.wiredplastic.com

You get your own debit card along with an online bank account type of thing.

Answer 7

What you are talking about is fraud. Since 9/11, banks are required by FEDERAL law to have a picture id of the person(s) opening a new account.

Most banks run what is called a ChexSystem report and if your ss # doesn't jive, you aren't getting an account with them.

Your best bet is to get your credit in order, get a prepaid debit card if you need one, and then apply for a checking account.

Answer 8

That is fraud and now you have to provide a social security card to open one. Some banks will give you account regardless of your credit. Try netbank.com. If you live in Chicago or Wisconsin TCF bank will give anyone a checking account. do a search for online banks and apply, I believe that some one will give you an account.

Answer 9

This is called FRAUD AND it is ILLEGAL!!! Yes you will be prosecuted and you should be, and you probably will be discovered because the number you use probably already belongs to someone else. Did that ever occur to you? Did it ever occur to you that the bank would probably want to see your SS card if a discrepency occurred? Don't be breaking the law to this magnitude unless you are willing to pay the price, which may be very, very high.

Answer 10

The bank will check your information, including ssn, with a clearinghouse in order to make certain you are who you say you are. They'll also check for you previous account usage.

They'll catch you.