[coki]

I'm not U.S. resident. I'm Italian and I live in Spain.
In 2009 I opened a bank account in Chicago when I was on vacation. No maintenance charges me, nor accrue interest. It is a Non-Resident account.
The bank asked me for two address. One permanent (Spain) and a mailing address. My brother lived in there, then I reported his address.
January 2012, I transfer from spain to usa, 5000 euros. In May, 30,000 euros. In June, my mother transfer from another country to my account, 25,000 euros. And finally my brother who lives in the U.S. transfer me $ 45,000, which were previously sent by my mother to my brother's account. No problem.
In April 2012, the bank sent to the house of my brother a substitute Form W-8BEN, to complete some information that were not clear to certify my foreign status. I have to send that information by December 31.
1 Provide Reason for U.S. of mailing address
2 Review beneficial owner.
3 Provide non permanent U.S. address.
ETC
I called the bank (call center) and discuss the issue and they sent me a blank Form W-8BEN to Spain, to fill out and send.
I've completed and applied my permanent address in Spain, without mailling address in USA, and the reference number of my account.
Should I worry about anything?
I have 100k in non-interest account. May I subject to U.S. withholding tax?
The documentation I have submitted is correct?
Please, I appreciate your response and help.
Thank you.

[RickJ]

You need legal/tax advice at this point. Get an attorney who is also knowledgeable on tax issues.

[RickJ]

Coki, are you no longer a U.S. resident? Please stop editing the question at this point.

[coki]

Coki, are you no longer a U.S. resident? Please stop editing the question at this point.

I have never been resident in USA.

[AtlantaTaxExpert]

As long as the bank has a properly-completed Form W-8BEN that explains your situations, you should have no problems.

If they DO any back-up withholding, it will only be on the INTEREST, not on the money deposited.

[coki]

Thanks for your answer Atlanta. My account does not accrue interest. I only use it to deposit money in dolars, and I have a Visa debit card.
I just want to have my savings in that currency.
If in the future I want to transfer some money to my account in Europe, I should not have problems?
I studied the instructions to complete the W-8BEN, and I've only had to complete my full name, my full permanent address outside of us, the beneficial owner (individual), the reference of the bank account, my signature and date.
I know I must be renewed every three years this form, or if any information changes, to notify the bank.
I think I do everything right, the only thing I have to check is that the bank processed my form. I'll call in a few weeks to see that everything is OK.
Should I do anything else?
Again, thank you.

[AtlantaTaxExpert]

Nothing else is required, and there should be n problems when you transfer the money to your European accounts.

[coki]

Ok, thank you very much!

[AtlantaTaxExpert]

Glad to help!