Privacy Crisis Banking secrecy and financial privacy plan

Protecting privacy is essential for freedom lovers and no aspect of privacy is more important than financial privacy and banking privacy.

My new book, Privacy Crisis Banking provides New financial privacy and banking secrecy information for those interested in exercising their right to financial privacy.

from Grant Hall’s Privacy Crisis Banking

Available as an e-book or Hardcover eition at:


from Chapter 5


 Chapter 5: Check Cashing Stores



The check cashing service establishments and a few other
businesses issue reloadable debit cards that function as a regular debit card
and have features similar to a commercial bank account, while offering more
privacy and convenience.

The reason many who live beneath the radar gravitate toward
these types of accounts is because the institutions that issue them do not
usually have requirements as stringent as the brick and mortar commercial
banks—even though the institutions behind these reloadable debit cards are in
fact banks. Also, the bank account/debit card account is normally not
discovered in asset searches for several reasons: It is considered a debit card issued by a financial services company,
not a bank. However, the account has a Federal Deposit Insurance Corporation
(FDIC) policy attached to it, so in theory, at least, the account is a real bank account. But a private
investigator or other asset searcher would be hard-pressed and would
necessarily expend large amounts of time, effort, and money to locate such a
bank account.

Why? During my extensive research on this subject, I
discovered the process of debit card issuance, account service administration,
and financial account recording by the bank to go like this: First, the check
cashing company or check cashing store is the agent for the financial services
company that issues the card. Account holder information is verified by the
financial services company, and the card is mailed to the customer. A bank’s
name, the sponsor, will be on the card itself, and the
account will be FDIC insured.

Are the funds actually held at the bank itself in the
individual’s name on the card? Yes and no. While the bank stands behind the
accounts with their FDIC insurance policy as a safety net in case of
insolvency, the actual account is not in the same database as checking and
savings accounts opened by customers who walk in and open an account with the
bank—when such services are available, that is. Therefore, since the bank
standing behind the issuer of the debit card does not have an account on their
books of the debit card account holder, the individual may in fact be able to
practice a high level of bank privacy with this type of bank account.

Also, it is common for the sponsor bank to be in another
state far away from where the card was purchased by the customer at the check
cashing store. Essentially, the financial privacy-seeking customer has two
built-in advantages to using a debit card as a bank account, in addition to the
aforementioned “cash and carry” advantage and the furnishing of less
privacy-invasive personal and business information than required by a
commercial bank—distance of the sponsoring bank and the non-traditional nature
of the account itself.


                               Excerpts from
Chapter 8

8: Offshore and Domestic Banking: Considerations and Preparation


Considering the aforementioned business
seizure case of the NORFED Corporation—and others that can be discovered
through Internet searches and that have occurred to both businesses and
individuals—what defensive strategy must be put in place by a business manager
in charge of the company assets or a controller of a high-net-worth
individual’s assets, in order to withstand seizure attempts by government,
court orders, or others? And which structure is best—an offshore asset
protection structure, or a domestic plan with the foundational bank account
being what I have coined the Ultimate
Bank Secrecy Account.

 Let us draw comparisons
between two such accounts for illustration purposes, while utilizing known
foreign and domestic banking resources, as described and listed in this book.

The resources provided have been used to
set up bank secrecy accounts for individuals and businesses. Verification that
the resources have been used for individuals and business entities, as
described in this comparison, has been made prior to this book going to print.



Hypothetical theory-laden ideas
concerning something as important as money and banking secrecy are not
productive. Let’s deal with specifics, in this comparison of foreign banking
with U.S. banking resources, as far as bank secrecy is concerned.

Foreign banks listed in this book as
resources for bank secrecy will want all the information mentioned in the
sub-chapter heading of Offshore Bank
Account Requirements,
as described earlier in this chapter. The fact that
these references are required and have to go through various communication
channels to reach the bank account representative results in some losses of
personal and/or business privacy. You never know how many law clerks, legal
assistants, bankers, brokers, or other office personnel store your contact
information with a foreign bank, as you innocently try to gather references as
account opening requirements. Add possible e-mail, fax, and telephone
communication to the mix, and you have a strong potential likelihood of having
your most important personal and confidential data being intercepted by some
bystanders at home, not to mention the customs guys who inspect your
courier-generated package full of notarized passport copies or your application
for that foreign “secret account,” and you’re sure to be discovered and
possibly marked as a “person of interest” even before you step into the batter’s box. Of course, you can thwart
the efforts of all this discovery by traveling to that foreign land with
paperwork in hand and hope you have it right, when you finally arrive. Either
way, opening a current account—a bank account for a business or for personal
use—is not such a huge deal, once you learn what you are up against, and I have
provided foreign bank resources that will serve your needs.

Remember that a current account for
business purposes or personal use is best handled under another entity name. An
LLC based in Nevada or Nevis will work fine for business purposes, although the
Nevis LLC may present obstacles for doing business in the states, in certain
business circumstances. A multitude of other choices are available, as well.
Base your entity decisions on your business requirements and seek advice from
counsel or your accountant. Concerning a personal account, using one’s true
name is not advisable. An offshore trustee for the Offshore Asset Protection
Trust can work, in conjunction with your trustee at home, to coordinate the
opening of a bank account, when you are already a client of Southpac or other
company that forms asset protection trusts. In any case, such a relationship
will provide you with the shields to make a high-level bank secrecy plan

Investments can be kept in a variety of
offshore entities, or a Nevada Limited Partnership can be used, while the
offshore asset protection trust owns the partnership. Investments are a
separate subject, and this comparison is for only the business or personal
current bank account, with bank secrecy as a primary objective.

Clearly, with private entity
registration—either in Nevada, as I describe in Privacy Crisis, or offshore, using a registration company to
register foreign trusts or LLCs—the business manager or individual desiring
banking privacy can accomplish this objective. Maintaining the secrecy will be
difficult to impractical. And what is so special about an offshore bank
account, anyhow? You can accomplish bank secrecy using the methods described
next, and with the resources provided in this book. In addition, the
institutions are more practical to use and just as secret as the foreign
institutions today, and the exceptions, are for the traveling business man or
lady who spends a reasonable amount of time offshore. Then an offshore current
account may be advantageous and most convenient.



Bank secrecy with a domestic bank, equal
to any foreign bank account secrecy, is available today, when the account is set up correctly using the resources in this book. I
call this type of account the Ultimate
Bank Secrecy Account.
This account is not understood by those proclaiming
to have financial privacy expertise, because it is dependent on human
variables, in part, though not entirely. And this type of account is not
absolute, its conditions varying from institution to institution and from
manager to manager. However, I have adequate testing completed on this type of
account, and while each institutional manager may not meet a privacy advocate’s
highest privacy requirements, some have and do. This domestic account is
providing customers with bank secrecy, with substantial bank features and
advantages not available to foreigners who bank offshore, not to mention the
greater convenience of managing the account completely online, without a messy paper trail of bank
statements or other common commercial banking records.

With prepaid debit cards bearing the
Visa or MasterCard logo sold by check cashing stores (see Chapter 5), a bank
account for individuals or businesses can be established, and banking privacy
can be accomplished.

Certain managers of businesses have purchased
the card from institutions referenced in this book and used the online bank
account tied to the card for business purposes. The card has been held in the
name of individuals and/or business names, at the discretion of the store
manager selling the card. If you want this card for business purposes, please
be candid with the store manager or regional manager about your business needs,
and perhaps he/she can accommodate your business. Substitute numbers have been
used in lieu of the Social Security Number and Employer Identification Number.

Regardless of whether the account is for
personal or business use, the account—which becomes an online personal bank
account or a business account—can be an untraceable account, when it is set up
properly. In-depth communication and research has been completed on this
account. Certain stores may be unaware of the flexibility of the higher-level
management of their own company or the financial institutions managing the bank
accounts for the sponsor banks. But recognize that your job is to find
management who wants your business and has the respect to provide the banking
services you require individually or as a manager of the business account you
set up with the institution.

Further, store managers at institutions
referenced in this book have guaranteed that these accounts can be opened
without any tax identifier whatsoever—a huge privacy advantage by itself. More
than one store manager voluntarily advised me that the Ultimate Bank Secrecy Account would withstand bank database
searches, due to its being inside the financial walls of the financial services
company structure or nestled deep within the corporate account database,
depending on the company. And in either case, these types of accounts are not held on the banking books of
commercial banks as customer accounts—business or personal—and will surely
withstand private investigator database searches, especially when the privately
registered business name is used to open the account —and the account is
maintained under this fictitious name without
Social Security numbers, employer identification numbers, home addresses,
mothers’ maiden names, and the like—common commercial banking data used as



Your Right to Financial Privacy

 Right to financial 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 define the Federal Reserve System, and not one could do it.

Think the member banks of the Federal Reserve System have a right to track and trace you and your property? Whose money is it anyway? Do they want your SSN, home address, home telephone number, and previous banking historical information to track and trace you so that when you become suspicious, they can “freeze” your account? Is carrying cash grounds for having it taken by law enforcement?

Today, residents of  Police State U.S.A. need banking secrecy more than any time in history. Citizens’ money and property are being confiscated without cause. A truck driver’s truck was searched and police discovered $432,000, the money was taken, the driver was not charged, and he was released.

Do you risk having your cash or bank account stolen by criminals, discovered by private investigators, or fear an account garnishment by “you know who?”

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

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

See the full cover of Privacy Crisis 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 privacy and identity theft e-book on ClickBank ( for the fifth straight year. Buy the book.

Privacy Crisis Banking will provide never, before published information on banking secrecy and financial privacy as well as resources for making your money invisible. You can learn how to create an “invisible mortgage,” cash checks and bank online without a Social Security number, and register a business privately-without a trace to your identity. Resources for banking secrecy are included in Privacy Crisis Banking. Available as an e-book on our site, through e-readers, and hardcover everywhere books are sold, fall, 2011.

Grant Hall, Author, Privacy Crisis Series of books

James Clark King, LLC, Publisher

your right to credit card financial privacy

Credit card privacy and your right to financial privacy can be accomplished today in the U.S.A. and worldwide.

Using checks is not a good idea for routine bill payments as the payee who receives your check as payment will have information leading to your bank account. Instead of checks, cash, money orders, and anonymous gift credit cards will keep your money your business, and preserve your right to financial privacy.

Credit card privacy is best accomplished through the limited use of credit lines, through the “freezing” of credit bureau files, and by changing account numbers periodically. Your bank will cancel a card and issue a different number when one believes there is a chance of fraud based on any number of suspicious happenings.

Banking privacy is discarded by the masses for the most part as they believe this type of financial privacy is not doable, and this belief is reinforced as the media talking heads make the viewing public believe that the government-your employer, has the right to your most personal and confidential information, including your Social Security number, Mother’s maiden name, home address, home telephone number, employment information, and credit bureau information. Some banks have adopted the practice of fingerprinting their customers in certain instances.

We believe the current banking customer model forced on the uninformed public is designed to track, trace, and control the population. And we do not believe freedom minded people should give up their right to financial privacy as they should strive to bank secretly while following all laws, but while still exercising their privacy rights.

Grant Hall

Banking Privacy Preserves your right to financial privacy and Prevents Account Seizures

Have you given up on banking privacy? Tired of offshore bank account hype? Did you know that you can learn to take back your right to financial privacy?

You can take back your privacy rights by duplicating the methods that have worked for our privacy experts.

Traditional banking havens have rolled over to the pressures of big bureaucrat and no longer have your best interest in mind based on our research and in the experienced opinion of this author.

Our Free privacy articles are based on the success of privacy experts.
Are you worried about a bank account seizure or property confiscation? Concerned about your business being shut down? Tired of being treated as a criminal when you attempt to open a bank account?

What about your Right to Financial Privacy?

Banks may demand finger prints, multiple identifications, credit checks, and ChexSystems screenings-all for the “privilege” of opening a checking account.

You can avoid bank seizures with bank secrecy.
You may be interested in learning how privacy experts bank secretly in the U.S.A.

Our Free e-mail information privacy crisis courses will assist you as you
learn to travel, bank, work, and live anonymously in the U.S.A. or anywhere.
Our best-selling e-book, Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living has Six chapters on Finances. Refer to these important chapters:

Chapter 15: Anonymous Banking, Chapter 17: Private Investments, Chapter 18: Real Estate and Hard Assets provide financial privacy


Grant Hall


James Clark King, LLC

Publisher and


offshore address key to credit card privacy

An offshore address can be noted in the comments section of your credit bureau files report to alert all who see it that you now reside offshore, and such a high-level, home privacy, and financial privacy tactic will go a long way in preserving your credit card privacy. Next, you may “freeze” your credit bureau files so that only those who do business with you or whomever you allow access to your credit files knows your address.

Banking privacy and credit card privacy are important privacy living components of your personal privacy plan, and you have a right to financial privacy, and your risks of a privacy invasion will be minimized once you utilize an offshore address as your offical address. Such a privacy measure will be extremely helpful as you prevent anyone from invading your consumer prvacy.

If you’re bothered by a stalker, you can stop the stalking through the use of an offshore address designed to ensure your home privacy as well as your banking privacy. Phone stalking and other forms of harassment stalking will not occur when your home address is believed to be out of the country. In fact, any stalking crime or financial privacy invasion will not occur when your home address, telephone, credit card account records, and other bank records lead to an address in another country.

A Trust bank account held in a name without any association to your true name can be a good financial privacy idea. Simply open a trust checking account, obtain a separate Employer Identification Number, and deposit funds payable to either yourself or the trust’s name into the account. Read more about financial privacy and banking secrecy in my best-selling e-book, Privacy Crisis.

Grant Hall

Do you want to hide assets?

Your right to financial privacy may be compromised when you rely on financial institutions to provide financial privacy on your behalf. In fact, anyone with the money to buy an asset search will be able to locate your assets when you attempt to hide assets without utilizing proven bank secrecy methods and the private registration of entities. This article will focus on one particular entity and one highly effective banking secrecy principle, and these are: the Nevada Limited Liability Company and the Ultimate Bank Secrecy Account.

An example of a privately registered company could be a Nevada Limited Liability Company used to hold an online business that sells retail products to the public worldwide. In order to ensure business privacy, the Trust Manager Principle is recommended as the Manager of the LLC. Once these business privacy principles are used, the human(s) behind the company will retain their personal privacy and be able to avoid the many pitfalls that could occur, and these could include the following: personal and business identity theft, harassment stalking, bank and credit card fraud, Soical Security number fraud, and other crimes. See the business section of Privacy Crisis: Identity Theft Prevention Plan and Guide to Anonymous Living, and refer to Chapter 21, page 273 for the mechanics of making your business invisible.

Bank Secrecy can be accomplished in the U.S.A. when the use of a highly effective banking privacy principle is implemented. The purpose of banking secrecy is to avoid unwanted financial privacy intrusions, prevent identity theft-business or personal, and to make bank account seizures virtually impossible as asset searches will not reveal the owner or controller of the Ultimate Bank Secrecy Account. The aforementioned LLC may use a bank account set up under the LLC’s business name by a manager of the LLC. Substitute identifiers are used in lieu of the normally used business and personal tax identifiers and other crucial data by way of approval of the financial institution’s manager(s). This account is dependent on management’s approval and there are privacy advocates who use this principle to establish bank secrecy in the U.S.A.

Look for my new book, Privacy Crisis Banking that will provide details and resources for bank secrecy and other financial privacy information.

Use competent professionals to assist in your entity formation choices.

Follow all laws in your jurisdiction.

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

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