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#1409731 - 06/29/10 10:53 PM CIP
osoalone Offline
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Joined: Dec 2003
Posts: 146
We seem to have several comments from customers wanting to open new accounts that other banks don't ask to view their social security card to verify the number. Are there actually banks that just accept the customer verbally stating their social security number?

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#1409733 - 06/29/10 10:59 PM Re: CIP osoalone
rlcarey Offline
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Joined: Jul 2001
Posts: 78,555
Galveston, TX
It is hit and miss. Most of my clients do not require customers to produce an actual card.
The opinions expressed here should not be construed to be those of my employer:

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#1409734 - 06/29/10 10:59 PM Re: CIP osoalone
Duke Offline
100 Club
Joined: Apr 2005
Posts: 151
North Eastern CA
Yup! The only time we'd ask to see one is if they have no other type of secondary ID with them when opening a new account. If you run ChexSystems it should give you an idea if it's a legit number.

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#1409763 - 06/30/10 02:28 AM Re: CIP Duke
Kathleen O. Blanchard Offline

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Kathleen O. Blanchard
Joined: Dec 2000
Posts: 21,277
Most banks I see in audits and BSA improvement projects do not ask to see the actual card as part of normal day to day CIP. It would be on an exception basis.
Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy

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#1409782 - 06/30/10 12:13 PM Re: CIP Kathleen O. Blanchard
Skittles Offline
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Joined: Sep 2002
Posts: 13,963
While most banks may not require viewing the card <it's a secondary form of ID here along with other items>, I believe that they do verify the number using Chexsystems or an actual credit report.
My Opinions Only

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#1412012 - 07/06/10 06:09 PM Re: CIP Skittles
Snow Bunny Offline
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Snow Bunny
Joined: Jun 2006
Posts: 14,141
In the Snow :)
We don't require to see the SS card, but will use it as one form of secondary ID.

Actually, I have no idea of where mine is.
The woods are lovely dark & deep & I have promises to keep & miles to go before I sleep and miles to go before I sleep

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#1412804 - 07/08/10 02:49 PM Re: CIP Snow Bunny
John Burnett Offline
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John Burnett
Joined: Oct 2000
Posts: 39,537
Cape Cod
There's the problem, Sun Flower. We've been conditioned NOT to carry our SSN card with us to protect it from theft, so I'd guess that most people don't carry them and many don't know where they are (you can have SSA send a new one if you need it). And let's face it, the SSN card is all too easy to counterfeit if one had a mind to do it.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8

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#1413127 - 07/08/10 09:06 PM Re: CIP John Burnett
BSARocksagain Offline
Joined: May 2010
Posts: 67
Just an FYI. Chexsystems only verifies if it is a legit social security number, they are not verifing that the social security number belongs to the person you are inquiring about. We found this out the hard way. I think asking for the social security card is a good thing. It actually deterred someone trying to commit fraud at our Bank.

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#1416219 - 07/16/10 07:46 PM Re: CIP BSARocksagain
Passing storm Offline
100 Club
Joined: Aug 2005
Posts: 111
Here and Now
Actually, I just got a new SS card and it came with instructions not to carry it with you.
Don't believe everything you think

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