On 10/26/2016 at 1:27 AM, skp51443 said:

I thought that too until I opened an Arizona bank account using my AZ address while still a resident of Washington (active duty military) and started having my pay check auto-deposited there.  ...  Now in general nobody cares where you bank, I'll agree with that with the exception that if you use an account that could be seen as a state resident's account and have reported income deposited there, you may trigger the tax collectors in that state.

Interesting thread.  Since most financial transactions are done electronically these days, I wouldn't think the physical location of your bank matters.

Also, where you earn your income and where you deposit your income are legally two different things, and should be a case you could easily win in court.  I've never heard of any tax law requiring you to deposit your income in a specific "state-approved" bank account.  From what you posted, it sounds like your problem was actually triggered by the fact you appeared to be using addresses in two different states, which is a common problem with active military personnel. (At least from what I heard from many soldiers when I lived near Ft. Hood.)

When I moved to Texas in 2009, I opened a new account locally, but for the first year also kept open my old Illinois account and continued to use it, too.  I gave the Illinois bank my new Texas address literally on my way out of town.  The state of Illinois never questioned me when I filed my 2009 partial resident taxes from a Texas address but had my Illinois refund auto-deposited into my Illinois account.

Or as a previous poster said, maybe I was just fortunate enough to not "win" the state IRS lottery that year.

Cheers,

Ken

Edited April 5, 2017 by SecondWind

  On 4/5/2017 at 6:42 PM, SecondWind said:

Interesting thread.  Since most financial transactions are done electronically these days, I wouldn't think the physical location of your bank matters.

 

For most purposes, it really doesn't but the difficulty comes from the fact that the only way to make domicile clear when you are challenged is via a court ruling as that is a legal term and has no specific set of things that determine it. In such a court hearing, evidence can be given by both the challenger and by the subject citizen in an attempt to prove that they are correct. Just about anything can be used to prove the point by each side and often it will include things like newspaper subscriptions, medical appointment locations, banking, church membership, association membership, social contacts and just about anything else that either attorney may think of to prove that you really live in the place they are saying is your domicile. Should a challenge of domicile take place, the more things that can be pointed to in your claimed domicile location, the more probably that the judge will rule in your favor but there is no list of actions which clearly define where that is until a court makes a ruling. Fortunately, most of us never have that experience and probably never will. By far the most common cause of such difficulties comes from the taxing agency that you are leaving because they do not happily give up on a revenue source. 

For a true full-timer who owns no other home, has anyone had the courts question domicile?  I've never heard of this happening.

While I do have a couple of accounts at a home town bank, the majority of my funds while traveling are through Capital One.  I get 1.5% cash back on the credit card with no surcharge in Canada & a good exchange rate, and a refund of all ATM fees on the checking account.  Good customer service; they answer the phone fast & they speak english! I've never been to one of their banks...

Edited April 6, 2017 by vermilye

  On 4/6/2017 at 12:28 AM, 2gypsies said:

For a true full-timer who owns no other home, has anyone had the courts question domicile?  I've never heard of this happening.

 

I have not personally known anyone who has once they are clear of the previous state of domicile. There have been reports on these forums by people who experienced tax issues from their previous state. I did exchange emails with an individual who was the second wife in a case of a new will which was overturned by the courts over the issue of domicile but I have never met her. I also was in contact with an attorney who represented a party in a court case that voiced an insurance claim based upon the issue. It is pretty rare but has happened. 

Any thoughts on whether I should use my Florida address or my Texas mail forwarding address on my checks?

We use Texas address

  On 1/13/2018 at 1:40 AM, Mark Miller said:

Any thoughts on whether I should use my Florida address or my Texas mail forwarding address on my checks?

Checks don't require a address on them.

Do not put a SSA number on them either.

  On 1/13/2018 at 3:24 AM, Biker56 said:

Checks don't require a address on them.

Do not put a SSA number on them either.

You aren't required to put meat between the bread either but who would a hamburger with no patty? 
Other than in the mail,  who would accept a check without an address on it?

What is a check?