Bank of America: Your Birth Certificate is NOT valid as ID!

reply to post by Sundancer


Not really, i think it's a great time to abuse the system with false ID; play them at their own game.

Your problem is doing business with Bank of America, go to a local credit union don't feed the monster.

Originally posted by miraclerock
Your problem is doing business with Bank of America, go to a local credit union don't feed the monster.

Yeah, actually you have a point- sort of. Problem is, there is not one anywhere close enough. And really, I wonder if anyone who allows others control of their money isn't feeding the same monster.

reply to post by jesiaha


thank you for posting that

i starred it, interesting video

Originally posted by fraterormus
I suppose there are always Check Cashing Stores that charge 25% of the value fo the check. That's more than the Tax Man takes, and more than Minimum Wage Employees working Part Time can afford to pay!

25%? I haven't had a valid picture ID since 1997. I refuse to use banks, I have a credit union account I've had for years, but that is in another state and just a savings account.

I don't know where you live, but I live in California and I always cash my payroll checks at a check cashing place, and it is no where near 25%. I cash $2000 checks for a charge of like $40. 25% means I would be paying like $500 to cash a check. It's more like 2-5%.

Some people think I'm crazy and that I'm overpaying for "banking services". But after you factor in that I am like the worlds worse when it comes to checks it's probably cheaper on me. I completely refuse ANY kind of credit. Even my "credit card" is pre-paid.

This is not solely because of the Patriot Act, but instead the REAL ID Act of 2005. The Real ID Act imposes significant restrictions on what identification a person can use when entering/engaging with Federal agencies. (It will be interesting to soon see if federally-bailed out private companies are now deemed "Federal" or not...since by definition, they are accepting Federal money.)

Here's some fun legal reading for everybody:

Under the Act, Federal agencies are prohibited, effective May 11,
2008, from accepting a driver's license or a State-issued personal
identification card for an official purpose unless the issuing State is
meeting the requirements of the Act. ``Official purpose'' is defined
under Sec. 201 of the Act to include access to Federal facilities,
boarding Federally-regulated commercial aircraft, entry into nuclear
power plants, and such other purposes as established by the Secretary
of Homeland Security. Undoubtedly, the most significant impact on the
public of this statutory mandate is that, effective May 11, 2008,
citizens of States that have not been determined by DHS to be in
compliance with the mandatory minimum requirements set forth in the
REAL ID Act may not use their State-issued driver's licenses or
identification cards to pass through security at airports. Citizens in
this category will likely encounter significant travel delays.
The Act authorizes the Secretary of Homeland Security, in
consultation with the States and the Secretary of Transportation, to
promulgate regulations to implement the requirements under this Act.
Section 205(b) of the Act further authorizes the Secretary of Homeland
Security to grant extensions of time to meet the minimum standards of
the Act when States provide adequate justification for noncompliance.
The Act does not, however, give DHS the authority to waive any of the
mandatory minimum standards set forth in the Act. Those mandatory
provisions are set forth below.
Section 202(b) of the Act directs that REAL ID-compliant licenses
and identification cards must include the following information:
(1) The person's full legal name, date of birth, and gender;
(2) The person's driver's license or identification card number;
(3) A digital photograph of the person;
(4) The person's address of principal residence;
(5) The person's signature;
(6) Physical security features designed to prevent tampering,
counterfeiting, or duplication of the driver's licenses and
identification cards for fraudulent purposes; and
(7) A common machine-readable technology, with defined minimum
elements.
Section 202(c) of the Act also mandates certain minimum standards
that States must adopt when issuing driver's licenses and
identification cards intended for use for official purposes (referred
to as REAL ID-compliant cards). Those standards include, but are not
limited to, the following:
The State shall require, at a minimum, presentation and
verification of (1) A photo identity document (except that a non-photo
identity document is acceptable if it includes both the applicant's
full legal name and date of birth); (2) documentation showing the
applicant's date of birth; (3) proof of the person's Social Security
Number (SSN) or verification that the applicant is not eligible for a
SSN; and (4) documentation showing the applicant's name and address of
principal residence. Sec. 202(c).
States must establish procedures to verify each document
required to be presented by the applicant. The State also shall have
entered into a memorandum of understanding (MOU) with DHS to use the
Systematic Alien Verification for Entitlements (SAVE system) to verify
the lawful status of an applicant, other than a U.S. citizen. Sec.
202(c)(3)(C).
The Act also permits a State otherwise in compliance with the Act
to issue driver's licenses and identification cards that do not conform
to the Act's requirements. See Sec. 202(d)(11). Federal agencies, however, cannot accept such driver's licenses and identification cards for an official purpose and States must ensure that such cards or licenses must state on their faces that a Federal agency may not accept it for an official purpose. See Sec. 202(d)(11)(A). States also must use a unique design or color indicator so that it is readily apparent to Federal agency personnel that the card is not to be accepted for an official purpose.
edocket.access.gpo.gov...

The REAL ID Act requires States to verify supporting documents with
the issuing agency. Because our population moves freely among the
States, each State will need the capability to verify documents from
issuing agencies in all other States. Although the Act places this
burden on the States, DHS has worked to consider several technical
solutions that would provide States with this capability.
The backbone of this hub would be AAMVAnet, the network system that
AAMVA operates to facilitate data verification for State DMVs.
With respect to data verification, AAMVAnet already supports
verification of both social security numbers (SSNs) and birth
certificates. These application systems enable States to query the
Social Security On-Line Verification (SSOLV) database managed by the
Social Security Administration (SSA) and the Electronic Verification of
Vital Events (EVVE) system owned and operated by NAPHSIS. While 47
States currently verify SSNs through AAMVAnet, verification of birth
certificates is limited to those States whose vital events records are
available online. In both cases only State DMVs can initiate queries;
personal data are verified and not exchanged; and no personal
information is created, modified, or stored as a result of the
transaction. Working with both SSA and NAPHSIS, DHS is identifying
requirements for enhancements to both application systems.

As of December 1,
2017, all individuals presenting a State-issued driver's license or
identification card for official purposes must present a REAL ID card.

Actually, they are bang on the money.

I live in the UK, and work for HBOS, and I cannot tell you how many times we have a request to take a birth certificate from a customer because it's fraudulent. It's £7 to order a birth certificate copy in the UK, and I would guess that 90% of people working in a bank would not think twice about using it correctly because they are pressured into making 'sales' for the machine.

While it might be a pain, it is acutally for the better that they decline it.

Privacy isn't of much concern to the Federal government regarding our National ID and State-to-State driver's license information apparently:

Privacy Concerns Regarding the Machine Readable Technology Employed
by REAL ID
Section.IV.I.8 of the comments discussion discusses the comments
and responses regarding the machine readable zone (MRZ) on REAL ID
cards. In brief, commenters were split between the privacy groups that
were concerned about third party ``skimming'' of information from the
MRZ if it is not encrypted, and the State and law enforcement groups
that opposed encryption because it could interfere with speedy law
enforcement access to the information and it would be difficult and
costly to manage encryption keys across so many jurisdictions.
Given law enforcement's need for easy access to the information,
and the complexities and costs of implementing an encryption
infrastructure, DHS is not requiring encryption of the MRZ at this
time.

It could just be BOA. In '96, when my father died I went into his branch of BOA to close out his account and they refused to accept his death certificate as proof of his death. My father, grandfather, and I all share the same name and this was the stated reason for their refusal - even though the death certificate clearly stated the correct post name suffix (Jr.).

It took us about two months to clear this up and was a huge hassle as my father died in California and I've lived in Georgia for over twenty years.

BOA finally made it to the Georgia market a few years back and I, to this day, refuse to have any dealings directly with them.

Originally posted by TrueAmerican

Originally posted by Pippin
BTW how old was this teller? approx.

This wasn't a teller. It was a fricken manager!

Maybe a state or county thing?

Where I'm at I can pretty much get anyone's and in fact have gotten family members because they ask me to pick it up so unless it was recently changed or state/county law then someone where I live (a lot of someone's) are not following the rules if it is federal.

reply to post by Hefficide


Every single second a bank can keep money in their possession works to their advantage. In the case of a lot of money, there is all the more vested interest in stalling and delaying any way they can the withdraw of such funds.

While reading this a thought popped into my head (yes it kinda hurt). Could small frustrations be preemptive conditioning to a national ID card? Make life frustrating by randomizing what acceptable forms of ID a place will take and slowly push people in the direction of well life would be so much easier if you had this one almighty ID. Or we can make it even more easy by shoving this rfid capsule up your ....er never mind i digress. Just a few thoughts to perpetrate the conspiracy.