Jesli ktos sie wybiera do stanow i KONIECZNIE chce otworzyc rachunek w
Stanach, ponizej informacje (iz SSN nie jest potrzebny do otwarcia
rachunku)

This is from the SSA POMS RM 00203.510 Alien without Work Authorization
-Nonwork Need for an SSN

With limited exceptions, an individual must provide a Tax Identification
Number (TIN) to a financial institution for an account or other monetary
transaction (loan, mortgage, stock/bond purchase) for tax purposes. The
TIN may be either the SSN assigned to the individual when applicable, or
an ITIN assigned by the IRS.

If the alien has been present in the U.S. for less than 6 months, he/she
is exempt from providing a TIN for banking purposes and should ask the
financial institution for Form W-8, Certificate of Foreign Status. IRS
will assign ITINs for banking purposes to aliens not authorized to work
who have been present in the U.S. for 180 days or more. However, SSA
does not assign SSNs solely for this purpose.

As far the Patriot Act goes, section 326 of the Act requires banks to
verify the identity of people opening new accounts. Doesn't say that an
SSN must be request, but I would assume an SSN would be the mostly thing
they would ask for to establish an individual's identity.

http://www.ustreas.gov/press/releases/reports/js7432
.doc

What it requires:

The rule requires that financial institutions develop a Customer
Identification Program (CIP) that implements reasonable procedures to:
1) Collect identifying information about customers opening an account
2) Verify that the customers are who they say they are
3) Maintain records of the information used to verify their identity
4) Determine whether the customer appears on any list of suspected
terrorists or terrorist organizations

Collecting information:

As part of a Customer Identification Program (CIP), financial
institutions will be required to develop procedures to collect relevant
identifying information including a customer's name, address, date of
birth, and a taxpayer identification number – for individuals, this will
likely be a Social Security number. Foreign nationals without a U.S.
taxpayer identification number could provide a similar government issued
identification number, such as a passport number.

do góry