Travel from Accra, Ghana to United States in August 2012

$20,000,000.00 Cash

Let me guess this is for a "girlfriend" right... just wanted to be the first to let you know you've been scammed.

First the visa and passport does not come from the same place. The passport comes from their Ghana government and the visa from the US immigration normally though the embassy there.

The total cost is about 300 dollars at this point.
1. no there is no physcial requierd
2. no there is no bank account required.
3 most women or men will come to the US on tourist visa even if for dating, and then request of change of visa once here.
a. you have to provide evidence of a on going relationship for a visa to marry, so visiting by tourest is normal.

I will assume you have goggled Ghana dating fruad, most dating from there is frauds.