Open A Bank Account Anonymously
Again, I’m going to tell you to start a business so you can open a business checking account. If you haven’t figured it out yet, the best way to do everything is to start a business then live and work under your Business Name. A business can do anything a person can do. Rent a place, buy real estate, open a bank account with debit cards, turn on utilities, everything! Don’t forget that Corporations, LLC’s and Trusts work for all these same purposes.
CHEXSYSTEMS NOTE: Some individuals are kept from opening a personal bank account because their personal name has negative information on a ChexSystem report to which the bank subscribes. Many banks do not check your personal name when you open a business account but they might do so. If you have this problem and are rejected for a new business account, you have two choices. First, find a bank that does not use ChexSystems for business accounts or searches using the Business Name rather than a personal name. Second, you find a bank that DOES NOT use ChexSystems. Call some banks and ask if they use ChexSystems, you will eventually find one that will open an account for you.
NOTE: You will have your best chance of success with credit unions or smaller community banks that frequently do not use ChexSystems.
Some banks will let you open a business checking account online. You can do a search for “open a business checking account online” on
Alternatively, click the following link where I’ve done the search for you
Open A Business Checking Account Online
You should find a few banks there.
My personal favorite … Bank of America … They have branches just about everywhere and offer Debit Cards with a photo that can be used for ID purposes (just ask that a photo be added to your business debit card).
https://www.bankofamerica.com/
You can easily find other banks on your own. A person could easily open a business checking account online and only have to fax one corporation officer driver’s license. Could you borrow your brother’s or mother’s or a close friend’s driver’s license and social security card and just make a copy of it so you can get this bank account open right away?
Remember, only the EIN number will be associated with the account. The bank just needs to see somebody’s ID who is one of the owners or officers of the business to open the account … Just ONE and NOT all. This is one reason I prefer partnerships with the second choice being a LLC for the business type you open.
Another way to open an account is to visit the bank in person. You say you work for this LLC, Corporation, or Partnership and you need to open a bank account. You tell them the Chief Financial Officer or your partner is in another state and you need to get the account open. The Chief Financial Officer or Partner you are talking about should be a live person, available by telephone and by fax. The bank will speak to that person on the phone and they will have to fax over a copy of their driver’s license.
You can deposit checks made out to any name into your business checking account. If someone gave you a check made out to John Doe, you just write “for deposit only” on the back of the check and drive through the drive through and deposit it. If they tell you they can’t do it, just take the check back and go to another branch and drive through their drive through. I would just continue this until some teller deposits the check. This usually happens on the first try though. This is one-way to cash checks anonymously. You don’t get cash immediately but as soon as the check is credited to your account, you can use your debit card to withdraw the cash.
Another way you can open a business account is to open a sole proprietorship business checking account and not a Corporation checking account. You should get an EIN number for this but you can use your social security number if you want. You could even have a friend or family member open a business checking account for you. Banks do this every day and it is simple to do. You could borrow your mother’s information and open the account for her as described above. You can use all the same tactics from above for opening a Corporation checking account or a “Trust” checking account. The same rules apply to these business checking accounts.
You may have to give the bank what they call a Fictitious Name Statement”. To get a Fictitious Statement, you just call your local county courthouse and ask them how you get one. You can usually get one online at their website or just stop by the courthouse and fill out a simple form stating the name of your business and its owners. You then pay a small fee and they give you a document that shows you own the business. You’ll need to provide your business address inside their county and a business telephone number. You can get an address easily. Just use your mailbox rental or a friends address. They may send you quarterly income tax statements. Just tell them you haven’t made any money because your business hasn’t gotten off the ground yet and you will owe nothing for taxes.
Another way to open a checking account anonymously is to start a Trust. You can hire someone or use an online service to do this for you. Just do a Google search for “start a Trust”
You can use all the same information described earlier on how to open a Corporation checking account for this Trust account. The requirements are the same as opening a business checking account. You can make anonymous deposits in the account and the simple business checking account as well.
As stated earlier, if you have a business checking or Trust checking account you can deposit any check into that account, no matter what name is on the check.
Another way to open a bank account anonymously is to have a friend or family member open an account and just let you have the debit card and access to the account online etc. The account will be in their name, so you will remain anonymous but you now have a checking account you can use. You must Trust this person to NOT give you away so please be careful who you Trust.
To read about how to open a bank account without a social security number click the following link:
Open a Checking Account Without a SSN
TIP: When you open a new business account, it would be wise to use a bank you’ve never used before. There will be no risk of the bank linking you to a past personal account or a past joint account with your ex significant other.