protecting privacy: ultimate bank secrecy account or offshore banking

“Success lies in the hour of decision.”  Jesse Livermore

Before you dive head first into the scam of offshore banking (my opinion), recruit nominees to hold your money-another scam and a dangerous one, in my humble and experienced opinion, or give up entirely on financial privacy, consider a new banking secrecy concept I recently coined, the Ultimate Bank Secrecy Account.

 Use of an Offshore Bank Account Versus The Ultimate Bank Secrecy Account

First, let me make it clear that this comparison draws advantages and disadvantages of current accounts only, not investment funds, and there may well be advantages to holding investments in offshore jurisdictions.

An offshore bank account will not provide timely clearance of domestic checks nor will many online services process payments for an offshore account.  These two factors alone make it almost a necessity for an online business or individual who operates according to current modern day financial standards to have a U.S. bank account when he/she lives and works in the U.S.A.

A U.S. bank account will clear any check drawn on a bank in any state within days and can be used to process payments from any number of online third party payment services. And the processing of these payments is almost a necessity for modern day commerce.

How can one acccomplish money privacy and banking secrecy and succeed in protecting privacy in such a privacy-invasive environment as exists in the U.S.A. today?

The Ultimate Bank Secrecy Account has been used to hold funds for a business or personal account through an agreement with a manager of a U.S. based financial institution and a company manager or individual who has financial privacy and bank secrecy as a primary objective. Through the use of substitute identifiers, managers provide bonifide identification to the bank while preserving privacy and integrity of the account. Once done correctly as I have written about in Privacy Crisis Banking, the Ultimate Bank Secrecy Account will be undetectable and empower one to bank anonyously in the U.S.A.

Always make certain to provide true and correct information to all financial institutions. Do not defraud banks or brokerage houses. It is not necessary and defeats the purpose of personal and business financial privacy and bank secrecy.

Press Release, Book Review for Privacy Crisis Banking: Bank Secrecy Plan & Resource Guide to Protect Identity, Money, and Property.

Do you fear a bank account garnishment? Worried about a home privacy invasion? Your business and assets may be targets of a white collar criminal, identity thief, government agents, or a greedy ex and her lawyer.

Privacy Crisis Banking: Bank Secrecy Plan & Resource Guide to Protect Identity, Money, and Property written by Grant Hall and published by James Clark King, LLC is a new book with innovative, financial privacy principles and resources. What a welcome change from theory-laden, outdated, dangerous, nominee banking schemes, risky Hawala transfers, and questionable offshore banking promises! Privacy Crisis Banking teaches self-reliance and keeps “owners” in control of money, property, and businesses. While bureaucracies continue to confiscate wealth from citizens, seize business assets from entrepreneurs, and as crooks case homes and personal property looking for the big score, Privacy Crisis Banking empowers the freedom lover and free thinker with tactics and resources to protect identity, money and property.

Addendum to the original article.

                              Fascism and the Federal Reserve

Did you lose your freedom down at the local bank when you provided your home address, home telephone number, and Social Security number to the bank “manager,”-the part time clerk who interrupts your meeting every few minutes as you ask routine questions about banking policies and privacy.  Bankers and banks dislike your questioning their polices-often they don’t know the source of their money, let alone their bank’s policies. Try asking a manager to define the Federal Reserve System. I did. In fact, a few years ago, I asked ten bank managers to explain the bank of the banks, the Federal Reserve, and not one could do it.

Privacy Crisis Banking, a New Book written by Grant Hall and Published by James Clark King, LLC will be available everywhere books are sold in the Fall, 2011.

                     Excerpt, Chapter 1, Privacy Crisis Banking

The Federal Reserve System is the epitome of irresponsible “fiat money,” without tangibles contributing to its value, and the “business plan” of the Fed is surely an unsound one, were success of the money system the goal of the central bank. It is not.

 The certain course is toward a loss of purchasing power for the population, who must use such a perpetually devaluing money for the purchase of their goods and services and for investment capital. This money, created from debt and leveraged (low member bank reserve requirements), is not intended to be repaid entirely, as you would repay a loan, but its objective is a limitless credit expansion plan for the immediate financial gratification and profit of those being issued the instant credit.

 Greenspan’s early publication (1966) supported a money system with assets (gold) backing the receipts (money). Indeed, the long-time FRB-appointed boss appears to have been for sale to the highest bidder, based on his 180-degree turnaround, from supporting asset-backed currency (gold), to currency created without collateral, except through “indentured slavery” forces applied to the “helpless” citizenry, by causing losses of purchasing power and mandatory taxation without representation.

Read more about why not to use “banking passports and nominees for banking.

You may be interested in our Free financial privacy information courses. Here’s another banking secrecy article that you may have Free of charge called Total Banking Secrecy in the U.S.A.

Our first book, Privacy Crisis provides the reader with a comprehensive understanding of high-level privacy principles and tactics. It is the best-selling e-book on ClickBank ( for the fifth straight year.

Privacy Crisis Banking will provide never, before published information on banking secrecy and financial privacy as well as resources for making your money invisible.

Grant Hall

protect financial privacy with an invisible home mortgage

Worried about your financial privacy being compromised as you borrow money to buy a home? You should be. Borrowing money without bank secrecy and financial privacy is a sure way to having undesirable eyes peek at your credit report or other confidential personal information which will provide a clear path to your door by someone who you may not want paying you a visit. In Privacy Crisis Banking, my new book, I explain how it is possible to borrow money privately for a home purchase. Indeed, I’ve done that myself. Here is an excerpt from the book:

“I borrowed an amount equal to 100 percent of the value of a property I expected to buy. Of course, I documented the loan from the entity to me personally through the proper meeting, and internal company paperwork was properly completed, as well. The funds were deposited into a bank account held by a trust of which I am the signer, and I am a trustee of the trust holding the bank account.

I negotiated an interest rate of 4% for the life of the loan with a major financial institution. The source of funds was a single, non-secured credit line. I owed the entity for the money loaned to me and advised the institution providing the personal, non-secured loan to pay the entity directly and in full for the amount of my debt. A check was issued, as per my instruction.

Money borrowed from the entity holdings remained in the trust checking account, and I used this money to buy a home for cash.

An invisible home mortgage was created.”

This is the method I and others have used to fund home purchases when privacy is a top priority. Always make certain to have a payment plan in place when money is borrowed. Make sure to follow the provisions and guide lines of your loan agreements with banks and other financial instituions.

You may be interested in one or all of our FREE E-MAIL PRIVACY COURSES.

My e-book, Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living provides information on how to travel, bank, work, and live anonymously in the U.S.A. or anywhere in the world. I and others use all principles and concepts in the book. The book is available for purchase and immediate download. You can be solving your personal privacy crisis in just minutes from NOW!

You can make money by selling our e-book, Privacy Crisis. Receive a 50% commission when a sale is generated from your website. It takes only minutes to join and it is FREE. Read more about our affiliate program.

Grant Hall

protecting financial privacy: Ulitmate Bank Secrecy Account

Financial privacy can be achieved in the U.S.A. or anywhere in the world when you understand what it takes to conceal your money and property, and implement the bank secrecy methods and private registration techniques necessary to accomplish your business and personal privacy goals. One such method of banking secrecy is the use of the Ultimate Bank Secrecy Account. It is a bank secrecy account that has been used by myself and others. It is not generally understood how to obtain such an account. Personal communication skills and key resources matter greatly as one obtains bank secrecy today.

Here is an excerpt from my upcoming book, Privacy Crisis Banking  that explains this type of account. The excerpt is in quotation marks.


Jay and Marge manage a privately registered Nevada Limited Liability Company, which holds websites used to market proprietary products and sell products developed by others as affiliates.

The manager cashes checks received from the business operations at various U.S. based check cashing stores.

A business account was needed to receive online payments for those companies that do not issue paper checks , as well as for holding business receipts until excess cash could be withdrawn for capital expenditures or investment purposes. This account was to be used as a current account only. The company managers use third-party credit card processors only and have no immediate plans to secure their own merchant account.

Management at a check cashing store referenced in this book agreed to open the prepaid debit card bank account in the name of a business name, while using company registration numbers and identity document numbers in lieu of Social Security numbers or employer identification numbers.

The company name is a name that could also be used as a person’s name and is registered as an LLC with an anonymous manger (trust manager principle).

Management at the check cashing store where the prepaid debit card was purchased required the managers’ names, addresses, phone numbers, and copies of U.S. passports, and these records were retained by the store. The bank account was opened with the company name only, and substitute SSN’s and EIN’s were used for privacy and security of the account , as per the customers’ requests.

 This account is used for cash deposits, cash withdrawals at many ATMs, and receiving online payments from third-party credit card processors, and the account is managed entirely online. A bank routing number and an account number is provided for this account. The only banking features not included are the ability to write checks and to receive and send wire transfers. For bank secrecy, neither of these services are recommended, and this management used MoneyGram and Western Union for wire transfers and paid bills with money orders, prepaid debit cards, or cash.

This Ultimate Bank Secrecy Account is as secure as any current account ever offered by Swiss banks at any time in recent history, based on my experience with Swiss banks.

Bank secrecy has been obtained through the use of a financial institution-a check cashing store-which has a bank sponsor that provided the customers with the banking resources of this sponsor bank. This is an ideal business banking privacy plan for U.S. based businesses.”

Look for my new book, Privacy Crisis Banking soon.

Grant Hall

do you want bank secrecy?

Can bank secrecy be achieved in the current U.S.A. banking system as certain bank tellers sneer behind plate glass windows demanding thumb prints of  account holders and government-owned banks discourage privacy and watch citizens’ and business account holders transactions? Pershps.


The Ultimate Banking Secrecy Account provides the business man or lady or personal account holder with anonymous banking in the face of the greatest privacy-invasive government in the history of the world. It is an account that is legal entirely and misunderstood by privacy seekers and privacy experts.

The principles of this secret account include the substitution of identifiers to empower the account holder to obtain security and privacy. The bank account holder’s name and personal tax identifiers will not surface in the event of an asset search.


The account is held at a financial institution with customer service and management who work with the customer to establish bank secrecy. Normally, the acccount is managed entirely online without making personal appearances at a brick and motar bank. And paper trails are elimited entirely as checks are not a part of the program and account statments are not generated. Such an account is most feasible in the U.S.A.

The account is as secure as any foreign bank account offered in the traditional banking havens of the 1970’s and before. Sadly, many of these former bank secrecy jurisdictions have disappeared as they gave up their account holders secrecy when pressured to do so by Big Bureaucrat.

The account as described herein requires the coordination of management and the account holder working jointly to establish a working relationship whereas the bank obtains necessary personal information and the account holder keeps his/her most private information (Social Security number and Employer Identification number) off of the account. Certain account holders have used a privately registered company name (Limited Liability Company) to hold the account while only the financial institution has their personal and business information.

Grant Hall

what are the keys to personal privacy living?

Establish a personal privacy program in the U.S.A. or anywhere in the world today. Here are some important components to personal privacy living:


You can bank secretly and make money and assets invisible. Front entities registered privately provide for anonymous banking. U.S. banks and brokerage companies are best for those living in the U.S.A.

Use a U.S. safe deposit box and leave no trace to your true identity. This is accomplished by using an entity to hold the box through a U.S. bank. A second option is to use a private company that does not require identity information.  


Through the use of anonymous phones and privately registered ISP accounts, you can become anonymous as you communicate and surf the internet. Do not follow the masses and allow yourself to be tracked and traced. Avoid contracts, credit card payments, and checks when you buy these important services.


Privacy advocates who want work privacy can prevent or stop wage garnishments and beat government tracking databases. Whose business is your job anyhow? Does any agency or individual really have a right to know your source of funds? No. Not in a free society.

This author encourages all readers to pay their debts and family obligations and to follow all laws in their jurisdiction.


Through the use of privacy living principles, you can become “invisible.”

You can lock out snoops from your credit files, avoid stalkers, identity thieves, and all other unwanted intrusions-from everyone.


Is it possible to obtain a “permanent” driver’s license? Certain privacy seekers have claimed to avoid returning to the DMV for many years when they get a driver’s license from one state that offers this privacy principle.


Bank secrecy techniques are explained in chapters 15, 17, 18.

Phone and computer privacy information may be found in chapters 13 and 14.

Work privacy solutions are found in chapter 22.

Learn how to be invisible by reading chapters 6-8 and 19.

A “permanent” driver’s license may be able to be obtained by information gleaned from chapter 4.

Free privacy information courses may be of interest to you.

You may purchase my e-book, Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living and begin reading how to travel, bank, work, and live anonymously. You can be reading the book in just five minutes from now.

Thank you for reading.

Grant Hall

financial privacy is key to consumer privacy planning

Financial privacy is a key component of your personal privacy planning program. Indeed, consumer privacy is enhanced greatly when you follow my three decades of experience model for personal privacy and business privacy as outlined in my many articles and book. Let’s review some financial privacy and banking secrecy principles. Here is an excerpt from my e-book, Privacy Crisis:

Chapter 15, Anonymous Banking, page 189

Check Cashing stores

“Many people successfully handle their personal finances without using a bank.

Check cashing companies provide these services to customers who are either on the lam, illegally working in the country, have previously had banking problems and are unable to open accounts with banks, or require very high level financial privacy and do not want to risk clearing checks through a bank or having a bank account of any kind.”

Keep your money hidden and safe from searches and asset seizures

Bank Secrecy” through the use of a check cashing store is fine for your current account needs when you exercise your right to financial privacy and insist that your most private information is kept off of the “account.” I recommend that you not provide your Social Security number or Employer identification number to the institution.

Asset protection or how to hide assets

While the goal of a traditional asset protection plan is to control everything and own nothing, certain privacy experts protect identity, privacy, and achieve asset protection through the use of a bank secrecy and financial privacy program. Privacy Crisis has six chapters on modern financial privacy. You can begin to regain your personal privacy in minutes from now as you read what has proven to be the best personal and business privacy strategies for asset protection and financial privacy.

Grant Hall

cash banking secrecy: a financial privacy option

Stalking victim, Wilma Bollockstein wants to ensure that she has financial privacy to stop the stalking that her ex husband has been engaged in for some eleven years. Wilma’s wake up call came three years ago following a broken nose, a concussion, and a left eye battered and damaged so severely that she lost thirty-five percent of her sight in that eye. This followed a fractured spine, two broken ribs and numberous beatings requiring hospitalization. It took all of this for Wilma to follow the guidelines in the big red, white and blue e-book to your right.

Today, this ex stalking victim’s task is to make her financial privacy bulletproof so that her antisocial ex and his band of private investigator goons can no longer trace her through the money trail that is left by 99.9% of the masses whose assets and property are capable of being watched-even seized by any court or agency that believes they have claim to the property. And such seizures are occurring more and more frequently as governments scramble to make fiscal ends meet now that they’re broke and cannot collect as much tax revenue as in previous years.

Wilma uses check cashing stores to clear her checks issued to her “employer,” a privately registered Nevada Limited Liability Company that receives payment for her salary as a medical technician. This arrangement was structured just as the big red, white and blue book advised, and has concealed her from those privacy-invasive data banks that any apprentice P.I. can tap into for a few hundred bucks. But he won’t find Wilma’s name there.

Wilma walks into the check cashing store, presents her bi-weekly check, receives her cash and leaves. No one can find her bank account. She uses “cash banking,” a form of money management whereby the person keeps his/her money private through the use of an anonymous private safe or other safe storage space designed for the privacy person who doesn’t want his banking secrecy or financial privacy invaded just in case a troublesome, obessive stalker-no matter what variety this “hired gun,” goon might be, decides he and his bosses want to try and seize it.

It works for Wilma and thousands more who are shifting to the total control such money privacy provides. And  this type of banking secrecy may be a good option for you, too if you want to stop the stalking, avoid being stalked, or rid yourself of the threats banks sometimes present to their customers as they struggle for solvency. It is a long and difficult process to retrieve you money from a bank when it fails. Trust me on that point. I’ve had to file claims on two FDIC insured failed institutions, and it’s a giant paper chase designed to confuse and discourage the account holder. With “cash banking,” you’ll have no such worry as your “bank account,” will be under your control entirely. Now, muster up the confidence and prepare to learn more about true business and personal privacy and financial privacy.

Thanks for reading.

Grant Hall

Financial privacy to protect identity

During our four year study on personal privacy, the data gathered conclusively demostrated the following consumer privacy priorites:

1.) Financial privacy, property ownership privacy, and bank secrecy were the top privacy priority for respondents.

2.) Stalking Solutions and stalking prevention ranked number two for those who participated in the study.

3.) Identity theft (all types) was number three.

4.) General privacy concerns including internet and computer privacy, travel and home privacy, and all other categories of personal and business privacy was number four.

Let’s focus on the number one consumer privacy concern; money, property, banking privacy.

Privacy protection has overlapping effects. Protect identity properly and you gain a good deal of financial privacy during the process. For instance, when you do not hold investments-liquid or illiquid in your name and under your Social Security number, it will be difficult for the most sophisticated of identity thieves to commit id theft and you will be exercising your right to financial privacy and gain bank secrecy when you utilize a privately registered entity that cannot be traced to you individually, and have no tax identification number or Social Security number that can be associated with your identity. Think this is impossible to accomplish today as the alphabet agencies and recrently created other sham agencies tell you through their bought-off talking heads that you must relinquish your financial privacy-all for the sake of the security of the homeland? Hogwash!

Learn to follow the leaders of the financial privacy movement who practice their freedom and keep their constitutional rights by keeping their money and property under their control and away from those “hawks” who claim they need to watch over you and your finances.

Review the principles of the Ulimate Bank Secrecy Account by following the link in the above paragraph. More on this in my upcoming book. Stay tuned.

Grant Hall

money 101 and why you have no banking privacy part 2

Imagine your money being printed as any paper printing operation. Remember from article 1 in this series that paper money only serves as receipts for a store of value-in a real monetary system that is properly backed by commodity assets. See the first article here:

The Federal Reserve System is for the most part, a non-asset backed monetary system. How much gold backs the money? No one knows. With the speed and intensity of the money printing operation since the 2008 Wall Street and corporation bail out fiasco, it is irrelevant anyhow as there has been so much money printed or created in digital form that dollars are naturally worth less.

About Bank Secrecy and why you need it for personal privacy and business privacy:

Recognize the nonsense of not having the banking privacy you may want. Who earned the money-and paid a hefty tax bill after these earnings? You did. Why, then are you not given the freedom to store it as you wish-anonymously, if you please to do so? Because, as explained in the first part of this series, the pseudo government agents, the banks provide an accounting of your money and you to your government when they ask for it. These kinds of “audits” occur when any agency with clout provides a second agency or a court with your bank account holdings If they choose to freeze your funds or confiscate your assets. Read about the NORFED Corporation company seizure here:

After reading this documented company closure and asset seizure by force, certain business managers, high net worth individuals, and all who earn a living and store money in traditional bank accounts, may recognize that their assets and bank accounts-corporate and personal, could be at risk of being attacked and seized. With the possibility of an asset  seizure looming  managers and individuals may choose to implement a bank secrecy program and include the added costs of this business privacy principle as a necessary cost of doing business.

Is offshore banking the best financial privacy idea for you?

Businesses may need a bank account in their homeland to effectively manage their business finances. Certain companies may require a U.S. bank in order to process ACH payments received and offshore banks may hold checks in excess of thirty days. These reasons alone make banking offshore for business  and personal accounts impractical and unreasonable.

In lieu of an offshore bank secrecy program-which are no longer secret based on my extensive research and in my experienced opinion, businesses and individuals who require banking secrecy will be better served to use the services of a U.S. bank account that is properly set up as a personal and confidential bank account. Can a bank secrecy plan be implemented in the U.S.? Yes.

Check cashing stores

Certain check cashing stores are taking market share from U.S. commercial banks by taking any and all “banking” customers-without restrictions. These retail operations provide services that are similar to banks.

Business privacy and personal privacy can be best accomplished through the use of check cashing stores, not commercial bank accounts. A business manger or an individual can accomplish asset protection with the starting point being the immediate control of his or her cash. Simply open an “account” with a check cashing store, present your business check, personal check, bank draft, or other negotiable instrument, and receive cash in your hands-minus the 1.9 % to 2.9% (average fees) charged for this service, of course. Now, your “bank account” with its $0.00 balance cannot be liened, frozen, attacked, or confiscated.

Bank Secrecy in the U.S.A. can be accomplished when the account is properly opened and maintained.

Back to the check cashing stores.

These operations sell a prepaid debit card with the MasterCard or Visa logo that is a handy jewel to have. These cards are sold by the check cashing store, sent to you by a financial services company, in most cases, and sponsored by a U.S. bank that is usually based far away from where the customer purchased the card.

Several check cashing stores sell these prepaid debit cards with their online bank account that has a routing number and an account number-just like a commercial bank account. And these accounts can sometimes be opened without Social Security numbers or Employer Identification numbers. It gets better: In addition to not providing a tax payer identification number to the institution, there have been business customers who have opened these accounts in their business name while using variations of their company and personal documents to open these accounts instead of the banks’ cherished, tracking and tracing information and numbers; the Social Security numbers, Employer Identification numbers, and mothers’ maiden names.

Negotiations for personal privacy and business privacy

Personal privacy and business banking privacy is best accomplished through negotiations with reasonable managers at check cashing stores. Through your excellent communication skills, you can get what you want to prevent bank identity theft and keep your bank account private. Remember these accounts are for holding funds temporarily, much like a current account, a non-interest bearing account. And they can be kept totally private when you handle the account correctly.

Investments will be the subject of a future article and may be held in U.S. entities protected by private registration and/or Offshore Asset Protection Trusts.

You may be interested in my upcoming book tentatively titled: Privacy Crisis Banking

The new book will be offered as an e-book and as a hardcover book and will be available for purchase from the website and from bookstores everywhere.

My current e-book, Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living provides information on business identity theft prevention, personal privacy living tactics, and may be purchased and downloaded within five minutes from now.

Thanks for reading.

Grant Hall