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Cloud Residents · US Credit

1k members • Free

2 contributions to Cloud Residents · US Credit
Does it constitute tax fraud?
I am a Non-Resident Alien (NRA) currently holding accounts with IBKR and Charles Schwab; I have submitted Form W-8 and received Form 1042-S. I plan to use an ITIN to open a bank account, but since almost all banks require a U.S. address, I intend to use a service like Anytime Mailbox to address this. Does this mean the bank will view me as a resident rather than an NRA? Will the tax forms I receive for income—such as bank interest—be the same as those issued to U.S. residents? Does this result in me having a "dual" tax status with the IRS? Wouldn't this be illegal?
0 likes • 2d
If I manage to successfully open a bank account but it gets closed later on, how is the situation typically handled? Would I be required to visit a branch in person? Will I be able to get my money back?
0 likes • 2d
@A Vas To provide some context regarding my situation: I cannot travel to the U.S. due to the distance, so I need to open an account online. Many banks require a residential address—specifically a U.S. address—which I assume counts as the "legal address." From what I’ve observed, if the address is outside the U.S., it is impossible to complete the account opening process.
Capitalone approved, Quicksilver 500$ unsecured and closed 2 days thereafter
Recently I received my ITIN with the help of Taxsym, which was very good experience. After a quick chat with @Ain - Cloud Resident and studying the classroom (as premium member), I gave C1 pre approval a shot. What a bummer - no offers! Just dont take no as an answer so I tried again after some days passed, and like magic 2 offers appeared this time. Platinum secured and Quicksilver unsecured. So I grab the quicksilver offer, request for the usual passport and itin paper and getting approved for 500$ unsecured limit 2 days later. Thanks to @Ain - Cloud Resident and the community, theres some solid stuff here. Edit: card was shipped but on the same day account got closed without any extra activity on my side.
Capitalone approved, Quicksilver 500$ unsecured and closed 2 days thereafter
0 likes • 2d
@Ain - Cloud Resident I’ve seen discussions online suggesting that using Wise can trigger risk control measures?
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Golen C.
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5points to level up
@golen-c-9454
I don't want to fill in too much information.

Active 1d ago
Joined Jun 24, 2026
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