Hello Everyone, I'm going live tomorrow and really looking forward to connecting, meeting and answering your questions. A lot of things have been changing with the banks and I have some address updates as well. I'm going to do more private meetings just for the groups, but tomorrow at 2:30 PM GMT-3 I'm going live on the socials at https://www.youtube.com/jamesbakercpa Looking forward to it! Best James

Saludos! Voy haciendo un LIVE en youtube en ESPANOL! Con mi abogado de Inmigracion Joaquin Rosales! https://www.youtube.com/watch?v=W1pZajiAx5E Hey guys, i didn't know if I should share here but I'm going on live on youtube on my Spanish channel with my immigration attorney. If you guys want to join or have questions, here is the link! https://www.youtube.com/watch?v=W1pZajiAx5E

The EO "Restoring Integrity to America's Financial System" flags ITIN use for account opening and credit products as a potential risk factor — specifically where the applicant "lacks verified lawful immigration status." I'm curious how this is playing out in your practice, particularly for non-resident aliens from countries like Germany who hold a valid passport, enter on ESTA or B-1/B-2, and use an ITIN purely for US tax compliance — no SSN, no permanent immigration status. A few questions: 1. Does the "lawful immigration status" carve-out in the EO realistically protect ESTA/B-visa holders in practice, or are you seeing banks apply enhanced due diligence indiscriminately — both for personal accounts and business banking? 2. Has your workflow around ITIN applications (W-7) or account opening recommendations changed since May 19? 3. Are there specific banks or account types you're now steering foreign nationals toward — or away from — for personal or business use? 4. For clients building US credit history via ITIN (authorized user pathway, secured cards etc.) — do you see this becoming more restricted or effectively unchanged? 5. Anything you're advising clients to do proactively before the Treasury advisory (due ~July 2026) and the BSA rule changes land? Would love to hear how you're navigating this.

Hi everyone — asking for a friend who is a non-U.S. person with no SSN or ITIN. Is there any practical way to open a personal checking account at a U.S. brick-and-mortar bank that is unconditionally free? My friend visits the U.S. once or twice a year for a week or two and wants the account mainly for local expenses. Most banks we’ve checked charge monthly fees unless you meet waiver conditions like minimum balance, direct deposits, age requirements, or regular activity, which does not fit this travel pattern. The only close option I found is BMO Smart Advantage Checking, but BMO branches are limited to certain states, mostly California, Illinois, Wisconsin, Colorado, and Arizona — not New York or surrounding states. Any better ideas or personal experiences from nonresidents without an SSN/ITIN? Thanks!

I called the IRS ITIN hotline exactly 4 weeks ago and requested a change of the mailing address and a re-issued ITIN notice to the new address (within the same neighborhood in a suburb of Los Angeles). Until May 26th I did not receive a new notice and my profile in IRS.GOV still shows the old address. Is it normal that nothing changed since 4 weeks? How long might the technical update and the delivery of the new ITIN notice take? Would be nice hearing about your experiences regarding that matter. Thank you!