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Bank Letter Issue- Please Help

lilybell

Star Member
Oct 31, 2017
55
32
I recently moved back to India from the US and therefore my bank and my POF account is in the US. Due to issues with getting a bank account in India my money is still in the US. My US bank is refusing to give me a letter for the Proof of Funds requirement. Can someone please suggest an alternative that will be accepted by CIC? Based on your responses I will have to contact my bank in the US and ask them for the alternatives you suggest so please let me know.

Here is what I think I can provide

1. 6 months statements that I can download from their website
 
 

krishme007

Star Member
Sep 14, 2017
88
38
Category........
FSW
NOC Code......
2173
App. Filed.......
06-09-2017
AOR Received.
23-10-2017
Med's Done....
04-11-2017
Passport Req..
17-11-2017
VISA ISSUED...
18-12-2017
I recently moved back to India from the US and therefore my bank and my POF account is in the US. Due to issues with getting a bank account in India my money is still in the US. My US bank is refusing to give me a letter for the Proof of Funds requirement. Can someone please suggest an alternative that will be accepted by CIC? Based on your responses I will have to contact my bank in the US and ask them for the alternatives you suggest so please let me know.

Here is what I think I can provide

1. 6 months statements that I can download from their website
Your 6 months of statement should be enough as long as as it has the required funds in it. And if you have the refusal email from the bank, you can also show it in the LOE to show that you are unable to get the official bank letter as your bank refused to provide one.

I showed my POF with just bank statements and credit card statements. I didnt even bother getting a letter from bank. So, far my application is progressing normally.
 
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lilybell

Star Member
Oct 31, 2017
55
32
Your 6 months of statement should be enough as long as as it has the required funds in it. And if you have the refusal email from the bank, you can also show it in the LOE to show that you are unable to get the official bank letter as your bank refused to provide one.

I showed my POF with just bank statements and credit card statements. I didnt even bother getting a letter from bank. So, far my application is progressing normally.
Thank you so much for your prompt response. I will try to get it in email from my bank that they cannot provide me the bank letter (they only told me that verbally) and reference it in my letter of explanation. Are credit card statements a requirement? I definitely can provide them.
 

krishme007

Star Member
Sep 14, 2017
88
38
Category........
FSW
NOC Code......
2173
App. Filed.......
06-09-2017
AOR Received.
23-10-2017
Med's Done....
04-11-2017
Passport Req..
17-11-2017
VISA ISSUED...
18-12-2017
Thank you so much for your prompt response. I will try to get it in email from my bank that they cannot provide me the bank letter (they only told me that verbally) and reference it in my letter of explanation. Are credit card statements a requirement? I definitely can provide them.
Credit card statements are more to show that you have or do not have any liabilities. This is just to show that you are in a healthy financial state irrespective of any loans you have taken.
 
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clguy

Hero Member
Apr 7, 2017
256
44
Thank you so much for your prompt response. I will try to get it in email from my bank that they cannot provide me the bank letter (they only told me that verbally) and reference it in my letter of explanation. Are credit card statements a requirement? I definitely can provide them.
Printed online statements in color from the last 6 months is all you need. No need for credit card statements.
 

krishme007

Star Member
Sep 14, 2017
88
38
Category........
FSW
NOC Code......
2173
App. Filed.......
06-09-2017
AOR Received.
23-10-2017
Med's Done....
04-11-2017
Passport Req..
17-11-2017
VISA ISSUED...
18-12-2017
Printed online statements in color from the last 6 months is all you need. No need for credit card statements.
Well, I was not sure on this as it states specifically in their website - http://www.cic.gc.ca/english/immigrate/skilled/funds.asp to obtain letter from bank which should include any outstanding debts such as credit card debts and loans. Since most of the banks do not provide such a letter, we provide them bank statements and credit card statements in order to fulfill their POF requirements. Well, that's how I interpreted this information. Maybe others have done it without the cc statements. But, there is no harm in providing one when you have the information. That's my 2 cents on this.
 
 

clguy

Hero Member
Apr 7, 2017
256
44
Well, I was not sure on this as it states specifically in their website - http://www.cic.gc.ca/english/immigrate/skilled/funds.asp to obtain letter from bank which should include any outstanding debts such as credit card debts and loans. Since most of the banks do not provide such a letter, we provide them bank statements and credit card statements in order to fulfill their POF requirements. Well, that's how I interpreted this information. Maybe others have done it without the cc statements. But, there is no harm in providing one when you have the information. That's my 2 cents on this.
You have interpreted it correctly but banks in America do not operate like that.
 

crescent_jam

Hero Member
Aug 21, 2017
808
431
Jamaica
Category........
FSW
Visa Office......
Kingston, Jamaica
NOC Code......
1121
AOR Received.
14-09-2017
Passport Req..
17-10-2017
VISA ISSUED...
26-10-2017
LANDED..........
19-01-2018
Thank you so much for your prompt response. I will try to get it in email from my bank that they cannot provide me the bank letter (they only told me that verbally) and reference it in my letter of explanation. Are credit card statements a requirement? I definitely can provide them.
My US Bank was initially giving me the run-around as well. Since you only have a verbal refusal for them, if you have time, I would recommend you submit your request in a written format (online chat, email, online customer service portal, etc.).

In the written request, you should also register your displeasure with how the matter is being treated, and with the fact that you can't seem to get a simple letter from them. You have deposited your money with them, money which they are likely profiting from, due to banking fees, and which they are surely using to finance their credit programmes; it's unacceptable that they then can't even provide you with a simple letter describing and outlining YOUR money, in the manner requested.

At the very least, you may get a written response from them stating they can't accommodate your request (which you can then include along with the online bank statements, for your PR application), and at best, they will get worked into a tizzy and a personalized letter from an Assistant Vice President at the bank will be emailed to you, the next day, in the format you've requested (which is what happened for me :) )
 
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mgnlky

Champion Member
Jan 22, 2016
1,559
275
Vancouver
Category........
FSW
Visa Office......
Ottawa
NOC Code......
1122
Pre-Assessed..
Yes
App. Filed.......
22-12-2016
AOR Received.
22-12-2016
Med's Done....
04-11-2016
Passport Req..
22-3-2017
LANDED..........
04-09-2017
You have interpreted it correctly but banks in America do not operate like that.
Correct. Most US banks will not give you a letter specifically stating that you have XXXX balance due to liability issues.
 

lilybell

Star Member
Oct 31, 2017
55
32
My US Bank was initially giving me the run-around as well. Since you only have a verbal refusal for them, if you have time, I would recommend you submit your request in a written format (online chat, email, online customer service portal, etc.).

In the written request, you should also register your displeasure with how the matter is being treated, and with the fact that you can't seem to get a simple letter from them. You have deposited your money with them, money which they are likely profiting from, due to banking fees, and which they are surely using to finance their credit programmes; it's unacceptable that they then can't even provide you with a simple letter describing and outlining YOUR money, in the manner requested.

At the very least, you may get a written response from them stating they can't accommodate your request (which you can then include along with the online bank statements, for your PR application), and at best, they will get worked into a tizzy and a personalized letter from an Assistant Vice President at the bank will be emailed to you, the next day, in the format you've requested (which is what happened for me :) )
Thanks for your response. I have sent them an email on their online portal but I got a response that they have sent me online statements which of course isn't what I was requesting I will send them one again and hope to have a similar response as you have had. Do you mind telling me your bank's name?