How To Get Proof Of Your Address Without Bills

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If you are unsure and are still trying to decide what to do with your saved money, opening a savings account may be a good start. But how do you open an account? It’s easy. Just visit the financial institution of your choice and fill out an application form. However, as an applicant, you will likely be required to provide detailed documentation to prove your identity. The financial institution will need to verify that you are a legal citizen. Therefore, you’ll need to submit an official form of identification, such as a national ID card, driver’s license, or passport.

The bank also needs to confirm where you currently reside. They will ask for proof of address, which is also known as proof of residence. Usually, a utility bill for power, water, or a mobile phone account will do the trick. But if you have no such documents, you’ll need to know how to get proof of your address without bills. In such cases, an employer’s confirmation letter, a notarized affidavit, or mail correspondence may be your best bet. In this article, we’ll share some ideas on how you can get a bank account up and running without bills to prove where you live.

Types Of Documents For Proof Of Address

So, what kind of documents will institutions accept as proof of residence? We’ve already mentioned that the most popular way to prove your address is through utility bills. You may use a water or electricity account statement, which displays your name and address. However, if you live at a residence where bills are not in your name, there are other ways to prove your address. Either way, once you have provided the necessary details, you should be able to start using your bank account right after making your first deposit. In case you’re wondering how long a personal check takes to clear, your first transaction may go through in between 24 and 48 hours. 

Here are some examples of acceptable documents. 

Employer’s Confirmation Letter

This is a document that you can quickly get from your Human Resources department. It is a letter containing your employment details at the company, such as how long you’ve worked there. The letter will need to have your employer’s letterhead, physical address, as well as telephone numbers. Your employer must also include your current address as listed in their documentation. This is one of the most effective ways to get your proof of address and may be accepted by some financial institutions.

Notarized Affidavit

If you’re crashing at a friend’s place or not staying under your own roof for some other reason, then the bills will not show your name. They will instead show the home owner’s personal details. In this case, there would be no utility bills for you to use as proof of residence. But luckily you can ask your host to fill out an affidavit, confirming that they know who you are and that you do reside at their property. This document will also need to be looked over and authenticated by a notary before it can be used.

Mail Correspondence From Institutions Such As A College Or University.

If you are a college or university student, you may frequently receive mail from your college. Some financial institutions may accept these letters as proof of address. What qualifies a proof of residence is that it should have your name and address clearly marked. However a single piece of mail may not be enough, and you may be required to get a letter from student services or another official student body from your school before your account can be approved.  

Final Thoughts

A proof of address document is essential for financial institutions. When you apply to open an account with them, they need to undertake the process of verifying your identity. These are just some measures to curb the risk of fraud. You may use utility bills to prove your address, but if these aren’t in your name, you will have to find other options, such as a notarized affidavit or your employer’s confirmation letter. Once you apply for a savings or checking account with all the proper documents, you should be able to start using it immediately after you’ve received full approval.

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