checking the bank accounts? (2024)

Hi:

I was wondering if at any time (including in the background check stage), the immigration office would check the person's bank account?

Are they allowed to access applicant's bank accounts at all?

Thanks.

True

MAnj

jtob said:

yes, they do random checks with the banks. in the letter for update of documents, it says " bank certifications.your bank must indicate in the bank certification that you are giving the canadian embassy visa section the authority to request information with regards to your account."

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They may check accounts at anytime however what I have noticed they only check within one stage before they go to another. For example, when they asked you to submit updated documents with proof of funds and then after 6 months if they requested medicals that means thay have already checked your bank accounts, otherwise they wouldn't come to Medical Stage. Also, they wouldn't ask you to take the Medical if you have any problems with the updated documents.

Of course in the final stage we may have to provide proof of funds again

Correct me if my logical thinking is wrong.

Regards,

My bank informed me that CHC get confirmation from them regarding funds in my account with them. It was few days before when they send me provisional approval letter.

Regards

I all depend where your account is , I mean in which country. For example here in UK it is not possible for CHC to check your account, because I checked my bank manager he said no.

Cheers

hi guys, i am little confused now. I have got Rs. 10,00,000 in the Fixed Deposit. If I send the xerox copies of the FD Docs (Notarized), is that more than enough?

or should i need to get my bank indicating in the FD docs that I am giving the canadian embassy visa section the authority to request information with regards to my account.?

pelase respond.

rgds,
George.

GeorgeJoseph said:

hi guys, i am little confused now. I have got Rs. 10,00,000 in the Fixed Deposit. If I send the xerox copies of the FD Docs (Notarized), is that more than enough?

or should i need to get my bank indicating in the FD docs that I am giving the canadian embassy visa section the authority to request information with regards to my account.?

pelase respond.

rgds,
George.

Click to expand...

Give copies of FD's notarized plus a bank certificate stating the FD details its a FD certificate.

accounts said:

IN INDIA, THERE IS 100% CHKING. I M BANKER

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HI Accounts,

If you do not mind telling, which banks are you talking about? Just out of curiosity I am asking this ?

hi sir,

the banks are : IOB, IB, ICICI, HDFC. (total comes to 10 lkhs.). I splitted in different banks after so many US banks collapsed miserably. Hope this is fine?

When I approached bank, they said they cannot give anything more than the FD docs. And they are saying that they are more than enough. Should i need to get any lettter from each back saying that the CIC is authorized to do background check on my Accounts/ FD? is it possible first of all? i mean will the banks provide a document/ lettter like that ?

rgds, George.

Guys
i am working with banking industry for last 8 years and have intimate knowledge of US bankign regulations...

NOBODY - NOBODY can check your balance unless you authorize it...
Not even you credit score can be checked with out your consent!!!
Its illegal for banks to share your information except with federal reserve and other regulatory bodies.

ADA - the rules may be different in different countries. Remember many countries do not have credit bureaus. I was told that by signing the form, we authorize CIC to do all sorts of check on us (i didn't really read what i was signing anyway), and in some countries, that may be enough to do a check. Who knows. The laws with regard to privacy are much stricter in the US.

This is my understanding but the rules might have changed in the last couple of years.
In the US, banks are allowed to check your credit score without your consent but if they do, they have to make you a fair offer of credit. Remember, those credit card products that we used to get in mail all the time, they send it because they know our score. Nowadays, I get one offer per day. Gone are the days when I used to get 5 per day lol.