I have been in the United States since August 2015 in an F1 visa. I was away from January 2018 to May 2018 in Denmark for study abroad. I do have a SSN as well.

I wanted to open a savings account in Bank of America, but they ask me if I am a resident or non-resident alien. What should I put? If I select resident alien, they ask me for my SSN. But I am worried if it entails any problem in terms of taxes later.

Any help? I am sorry if this is not the right forum for this question. But my concern is eventually related to taxes.

  • your tax liabilities exist independently from opening an account.
    – Aganju
    Jul 17, 2018 at 0:23

2 Answers 2


How you answer a bank's question shouldn't have any effect on how you are taxed.

However, assuming you haven't been in the US in F or J status before 2015, you are currently a nonresident alien for tax purposes. As a student, you are an "exempt individual" (i.e. your days in the US in F1 status is not counted for the Substantial Presence Test) unless you have been an "exempt individual" for some part of 5 previous calendar years. So if you remain on F1, your days on F1 will only start counting (potentially making you a resident alien) in 2020, and not before then.


Generally, answering questions truthfully is a good idea. From what you wrote in your question, it seems that you are a resident alien under US laws.

A resident alien is a person with a green card or who meets the "substantial presence test". You seem to meet the latter, but you should confirm.

You must log in to answer this question.

Not the answer you're looking for? Browse other questions tagged .