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50 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 • 1d
@Abdulrahman Mohamed Yes but with Charles Schwab they say that if you submit a W8-BEN they will transfer account from the local one to the international one so many people don't do it there I have heard. As a Non resident, do I need to file anything manually? I just use Schwab to withdraw money from the ATM and never leave any cash inside apart from a few dollars.
0 likes • 1d
@A Vas no zelle to zend money fast to use it for atm withdrawal with the international
UK Resident with 2 Wyoming LLCs – Can I Open US Business Bank Accounts Remotely?
UK resident here. I have 2 Wyoming LLCs taxed as C-Corps (one parent company and one subsidiary), both with EINs and a Wyoming suite address. Has anyone successfully opened US business bank accounts (Chase, BoA) for similar entities without traveling to the US? Can accounts be opened remotely, or is an in-person visit required? Any experiences or alternative bank recommendations would be appreciated. Thanks!
0 likes • 2d
@Daniel Wall I will let you know soon
1 like • 1d
@Daniel Wall I need another 25 likes until I can send you a direct message, so hopefully that will be soon.
NY DMV-experience for Non-Driver ID application
Went to Manhattan Midtown DMV for the Standard Non-Driver ID. Was really smooth. Made an appointment a month before and already filled out the application online. When I went there my appointment barcode was scanned and I got a number. First I was called for taking the picture, second to go to the "real" counter. I had to give the application, the passport, I-94 admission number and my drivers license or two credit cards. After half an hour I was out of the building with an Interim Document in my hands. It really was as easy as it reads.
2 likes • 1d
@Stefan S And I assume it does not say temporary on the top of the State ID like it says with Florida?
NFCU approved my credit card application, but the limit is only $500; can this be increased?
I opened an NFCU account a little over a week ago; I have a $2,000 direct deposit and $5,000 in savings. Last night, I noticed a pre-approval offer for the unsecured CashRewards credit card. I applied and was told to wait 24–48 hours; today, I found out I was approved—which was a huge surprise—though the credit limit is the minimum $500. The card offers a $250 cash bonus for spending $2,500 within 90 days, but I don't know how to meet that requirement given the low limit; there's no way I can spend that much over three months. If I call them and set up a $5,000 secured loan, would that prompt them to increase my credit limit?
0 likes • 2d
Generally I would just use the card and ask for a credit limit increase after 3-6 months
0 likes • 2d
Its much easier to increase your limit as soon as you already have a relationship. Not much that I know of that you can do now. Just make sure to pay your balance in full and leave 2% to report. Around 10 dollars on the statement
T-Mobile & Proof of Address
Hello Cloud Residents, I am trying to get as many proof of address documents before my trip to the USA. I am currently using my friends address and I want to get as many proof documents before I go for the Florida State ID and banks just to be safe. I have made a rent contract and made renters insurance as well for proof but I wanted to have a few more documents. I tried T-Mobile as it is widely recognized in the USA and did not want to go for anything with a small brand and risk being asked for more and more documents. But when I go to put my ITIN and foreign passport it does not accept it. How have other members passed the verification of T mobile? (Not T Mobile Prepaid). Also any other proof of address documents that I can obtain please let me know, I can not change any bills of my friend to my name as I have no time but anything else I can do I would greatly appreciate! Feel free to let me know in the comments what more I can do! Thank you!
0 likes • 6d
@Sam Hutan hey, which one?
0 likes • 5d
@Sam Hutan It has to be signed by the tenant and the landlord. But if the landlord is a friend its very easy to make. The thing is, that most places from my experience did not even ask to see it or did not accept it, the utility bill is definitely the strongest document you can have by the electricity bill or water. Something house related
1-10 of 50
Tasos P
4
20points to level up
@tasos-p-6201
hi

Active 10h ago
Joined Mar 27, 2026
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