We recently had a joint account opened. One individual lives in the US and had a US address, Candadian ID and US social security number. The second individual still lives in Canada and had a Canadian ID, Canadian address and Canadian Social Security Number. Chex Systems was unable to verify the social security number for us. What do we do next? Since this individual does not live in the US they would not have an alien Identification Number either. Help.

Chex Systems couldn't verify which? US SSN number or Canadian?

Chex Systems couldn't verify the Canadian Social Security Number.

Your bank's CIP policy should state what ID and identifying number you require from a non US person. Typically a passport would qualify for this, but once again, your policy needs to cover this situation.

We don't normally take SSNs from Canada - it would have to be a passport. US person vs. Non US person. Does your CIP policy break down the requirements for those two groups?

I believe that in Canada - the proper term is a Social Insurance Number and not a Social Security Number.